<ARTICLE> 9 <PERIOD-TYPE> 12-MOS 12-MOS <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1996 <PERIOD-END> DEC-31-1995 DEC-31-1996 <CASH> 24,891 48,126 <INT-BEARING-DEPOSITS> 1,287 693 <FED-FUNDS-SOLD> 10,326 14,910 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 75,896 116,528 <INVESTMENTS-CARRYING> 8,596 9,680 <INVESTMENTS-MARKET> 8,662 9,741 <LOANS> 215,220 388,728 <ALLOWANCE> 2,397 3,672 <TOTAL-ASSETS> 353,579 619,439 <DEPOSITS> 307,819 547,182 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 2,784 8,611 <LONG-TERM> 0 0 <COMMON> 31,325 49,388 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <OTHER-SE> 11,741 14,258 <TOTAL-LIABILITIES-AND-EQUITY> 353,579 619,439 <INTEREST-LOAN> 20,461 33,845 <INTEREST-INVEST> 5,305 10,113 <INTEREST-OTHER> 79 0 <INTEREST-TOTAL> 25,845 43,958 <INTEREST-DEPOSIT> 7,029 13,292 <INTEREST-EXPENSE> 7,029 13,319 <INTEREST-INCOME-NET> 18,816 30,639 <LOAN-LOSSES> 135 685 <SECURITIES-GAINS> (73) (46) <EXPENSE-OTHER> 10,394 22,727 <INCOME-PRETAX> 8,214 10,387 <INCOME-PRE-EXTRAORDINARY> 8,214 10,387 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 5,034 6,039 <EPS-PRIMARY> 2 0 <EPS-DILUTED> 2 0 <YIELD-ACTUAL> 9 0 <LOANS-NON> 993 1,564 <LOANS-PAST> 141 17 <LOANS-TROUBLED> 0 279 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 2,438 3,710 <CHARGE-OFFS> 321 1,070 <RECOVERIES> 145 347 <ALLOWANCE-CLOSE> 2,397 3,672 <ALLOWANCE-DOMESTIC> 2,397 3,672 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0