<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 10,256 <INT-BEARING-DEPOSITS> 32,000 <FED-FUNDS-SOLD> 24,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 41,354 <INVESTMENTS-CARRYING> 118,313 <INVESTMENTS-MARKET> 118,362 <LOANS> 197,775 <ALLOWANCE> 4,396 <TOTAL-ASSETS> 438,322 <DEPOSITS> 177,505 <SHORT-TERM> 2,476 <LIABILITIES-OTHER> 5,870 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,000 <OTHER-SE> 46,781 <TOTAL-LIABILITIES-AND-EQUITY> 438,322 <INTEREST-LOAN> 16,193 <INTEREST-INVEST> 9,801 <INTEREST-OTHER> 2,132 <INTEREST-TOTAL> 28,126 <INTEREST-DEPOSIT> 4,503 <INTEREST-EXPENSE> 4,642 <INTEREST-INCOME-NET> 23,484 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 35,964 <INCOME-PRETAX> 9,611 <INCOME-PRE-EXTRAORDINARY> 9,611 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,519 <EPS-PRIMARY> 1.67 <EPS-DILUTED> 1.67 <YIELD-ACTUAL> .066 <LOANS-NON> 480 <LOANS-PAST> 306 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0<F1> <ALLOWANCE-OPEN> 6,358 <CHARGE-OFFS> 2,121 <RECOVERIES> 159 <ALLOWANCE-CLOSE> 4,396 <ALLOWANCE-DOMESTIC> 4,396 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> <F1> Information available only at year-end.