<ARTICLE> 9 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 6,499,000 <INT-BEARING-DEPOSITS> 5,242,000 <FED-FUNDS-SOLD> 22,780,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,817,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 90,453,000 <ALLOWANCE> 2,300,000 <TOTAL-ASSETS> 152,449,000 <DEPOSITS> 136,755,000 <SHORT-TERM> 1,000 <LIABILITIES-OTHER> 1,377,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,332,000 <OTHER-SE> 2,984,000 <TOTAL-LIABILITIES-AND-EQUITY> 152,499,000 <INTEREST-LOAN> 8,509,000 <INTEREST-INVEST> 1,455,000 <INTEREST-OTHER> 1,499,000 <INTEREST-TOTAL> 11,463,000 <INTEREST-DEPOSIT> 2,970,000 <INTEREST-EXPENSE> 2,974,000 <INTEREST-INCOME-NET> 8,489,000 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (65,000) <EXPENSE-OTHER> 6,255,000 <INCOME-PRETAX> 2,869,000 <INCOME-PRE-EXTRAORDINARY> 2,036,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,036,000 <EPS-PRIMARY> 0.85 <EPS-DILUTED> 0.79 <YIELD-ACTUAL> 0.063 <LOANS-NON> 242,000 <LOANS-PAST> 2,255,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,000,000 <CHARGE-OFFS> 230,000 <RECOVERIES> 530,000 <ALLOWANCE-CLOSE> 2,300,000 <ALLOWANCE-DOMESTIC> 2,300,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0