<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's December 31, 1996 audited balance sheet, income statement and cash
flow statement, and notes thereto, and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       5,113,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,509,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                171,667,000
<INVESTMENTS-CARRYING>                      28,513,000
<INVESTMENTS-MARKET>                        28,015,000
<LOANS>                                    258,833,000
<ALLOWANCE>                                  1,577,000
<TOTAL-ASSETS>                             482,394,000
<DEPOSITS>                                 358,060,000
<SHORT-TERM>                                71,250,000
<LIABILITIES-OTHER>                          6,883,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,543,000
<OTHER-SE>                                  43,658,000
<TOTAL-LIABILITIES-AND-EQUITY>             482,394,000
<INTEREST-LOAN>                             19,557,000
<INTEREST-INVEST>                           10,479,000
<INTEREST-OTHER>                               485,000
<INTEREST-TOTAL>                            30,521,000
<INTEREST-DEPOSIT>                          14,436,000
<INTEREST-EXPENSE>                          16,428,000
<INTEREST-INCOME-NET>                       14,093,000
<LOAN-LOSSES>                                  938,000
<SECURITIES-GAINS>                            (20,000)
<EXPENSE-OTHER>                              9,814,000
<INCOME-PRETAX>                              5,996,000
<INCOME-PRE-EXTRAORDINARY>                   5,996,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 4,014,000
<EPS-PRIMARY>                                     2.05
<EPS-DILUTED>                                     2.03
<YIELD-ACTUAL>                                    3.41
<LOANS-NON>                                  1,549,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,578,000
<CHARGE-OFFS>                                  998,000
<RECOVERIES>                                    59,000
<ALLOWANCE-CLOSE>                            1,577,000
<ALLOWANCE-DOMESTIC>                         1,327,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        250,000