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<MULTIPLIER>                  1,000
       
                             
<PERIOD-TYPE>                   YEAR
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<PERIOD-END>                                DEC-31-1996
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<TRADING-ASSETS>                                      0
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<INVESTMENTS-MARKET>                            218,788
<LOANS>                                         117,830
<ALLOWANCE>                                      (1,293)
<TOTAL-ASSETS>                                  459,218
<DEPOSITS>                                      426,654
<SHORT-TERM>                                          0
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<LONG-TERM>                                           0
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<OTHER-SE>                                       25,745
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<INTEREST-INCOME-NET>                            14,844
<LOAN-LOSSES>                                      (132)
<SECURITIES-GAINS>                                   75
<EXPENSE-OTHER>                                   9,910
<INCOME-PRETAX>                                   5,793
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<YIELD-ACTUAL>                                     7.01
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<ALLOWANCE-DOMESTIC>                                463
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             830