<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
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<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
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<CHARGE-OFFS>                                       8
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                               1,806
<ALLOWANCE-DOMESTIC>                            1,806
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         1,806