<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.