<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