<ARTICLE>                                            9
<LEGEND>
This Schedule contains summary financial information extracted from the Balance
Sheet and Statement of Income and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-END>                                   DEC-31-1996
<CASH>                                         11,011
<INT-BEARING-DEPOSITS>                            100
<FED-FUNDS-SOLD>                                6,850
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                     2,588
<INVESTMENTS-CARRYING>                         12,081
<INVESTMENTS-MARKET>                           12,203
<LOANS>                                        67,735
<ALLOWANCE>                                     1,493
<TOTAL-ASSETS>                                103,187
<DEPOSITS>                                     92,968
<SHORT-TERM>                                       0
<LIABILITIES-OTHER>                              938
<LONG-TERM>                                        0
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                       4,143
<OTHER-SE>                                     5,138
<TOTAL-LIABILITIES-AND-EQUITY>               103,187
<INTEREST-LOAN>                                7,208
<INTEREST-INVEST>                                832
<INTEREST-OTHER>                                 361
<INTEREST-TOTAL>                               8,401
<INTEREST-DEPOSIT>                             2,524
<INTEREST-EXPENSE>                             2,539
<INTEREST-INCOME-NET>                          5,862
<LOAN-LOSSES>                                    435
<SECURITIES-GAINS>                                0
<EXPENSE-OTHER>                                5,876
<INCOME-PRETAX>                                2,372
<INCOME-PRE-EXTRAORDINARY>                     2,372
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                   1,415
<EPS-PRIMARY>                                   1.50
<EPS-DILUTED>                                   1.50
<YIELD-ACTUAL>                                  9.90
<LOANS-NON>                                    1,431
<LOANS-PAST>                                     234
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               1,493
<CHARGE-OFFS>                                    510
<RECOVERIES>                                      52
<ALLOWANCE-CLOSE>                              1,493
<ALLOWANCE-DOMESTIC>                           1,493
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0