<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <CASH> 54,132 <INT-BEARING-DEPOSITS> 4,220 <FED-FUNDS-SOLD> 25,129 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,679 <INVESTMENTS-CARRYING> 191,662 <INVESTMENTS-MARKET> 192,302 <LOANS> 311,376 <ALLOWANCE> 1,806 <TOTAL-ASSETS> 647,853 <DEPOSITS> 469,088 <SHORT-TERM> 0 <LIABILITIES-OTHER> 7,831 <LONG-TERM> 98,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 72,046 <TOTAL-LIABILITIES-AND-EQUITY> 647,853 <INTEREST-LOAN> 23,116 <INTEREST-INVEST> 13,769 <INTEREST-OTHER> 2,104 <INTEREST-TOTAL> 38,989 <INTEREST-DEPOSIT> 14,739 <INTEREST-EXPENSE> 20,797 <INTEREST-INCOME-NET> 18,192 <LOAN-LOSSES> 330 <SECURITIES-GAINS> 330 <EXPENSE-OTHER> 13,745 <INCOME-PRETAX> 5,911 <INCOME-PRE-EXTRAORDINARY> 5,911 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,479 <EPS-PRIMARY> .83 <EPS-DILUTED> .83 <YIELD-ACTUAL> 3.29 <LOANS-NON> 0 <LOANS-PAST> 1,972 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,484 <CHARGE-OFFS> 8 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,806 <ALLOWANCE-DOMESTIC> 1,806 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,806