<ARTICLE>                                            9
<MULTIPLIER>  1,000
       
                                                            
<PERIOD-TYPE>                                                 YEAR
<FISCAL-YEAR-END>                                      DEC-31-1996
<PERIOD-END>                                           DEC-31-1996
<CASH>                                                      12,459
<INT-BEARING-DEPOSITS>                                           0
<FED-FUNDS-SOLD>                                             6,480
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 52,779
<INVESTMENTS-CARRYING>                                      42,699
<INVESTMENTS-MARKET>                                        42,760
<LOANS>                                                    159,278
<ALLOWANCE>                                                  2,585
<TOTAL-ASSETS>                                             280,447
<DEPOSITS>                                                 246,744
<SHORT-TERM>                                                 8,675
<LIABILITIES-OTHER>                                          2,253
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                     1,782
<OTHER-SE>                                                  20,993
<TOTAL-LIABILITIES-AND-EQUITY>                             280,447
<INTEREST-LOAN>                                             13,470
<INTEREST-INVEST>                                            6,094
<INTEREST-OTHER>                                               252
<INTEREST-TOTAL>                                            19,816
<INTEREST-DEPOSIT>                                           8,152
<INTEREST-EXPENSE>                                           8,413
<INTEREST-INCOME-NET>                                       11,403
<LOAN-LOSSES>                                                  400
<SECURITIES-GAINS>                                             102
<EXPENSE-OTHER>                                              9,004
<INCOME-PRETAX>                                              3,849
<INCOME-PRE-EXTRAORDINARY>                                   2,801
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 2,801
<EPS-PRIMARY>                                                 1.97
<EPS-DILUTED>                                                 1.95
<YIELD-ACTUAL>                                                4.58
<LOANS-NON>                                                  2,700
<LOANS-PAST>                                                   165
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                              1,721
<ALLOWANCE-OPEN>                                             2,384
<CHARGE-OFFS>                                                  259
<RECOVERIES>                                                    60
<ALLOWANCE-CLOSE>                                            2,585
<ALLOWANCE-DOMESTIC>                                         2,585
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                      1,363