<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLAR <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> DEC-31-1996 <EXCHANGE-RATE> 1 <CASH> 49,824 <INT-BEARING-DEPOSITS> 542,703 <FED-FUNDS-SOLD> 1,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 104,648 <INVESTMENTS-CARRYING> 30,704 <INVESTMENTS-MARKET> 30,919 <LOANS> 584,996 <ALLOWANCE> 6,113 <TOTAL-ASSETS> 804,379 <DEPOSITS> 711,018 <SHORT-TERM> 7,200 <LIABILITIES-OTHER> 13,411 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,026 <OTHER-SE> 53,724 <TOTAL-LIABILITIES-AND-EQUITY> 804,379 <INTEREST-LOAN> 50,659 <INTEREST-INVEST> 8,950 <INTEREST-OTHER> 919 <INTEREST-TOTAL> 60,529 <INTEREST-DEPOSIT> 19,353 <INTEREST-EXPENSE> 19,372 <INTEREST-INCOME-NET> 41,157 <LOAN-LOSSES> 1,120 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 28,967 <INCOME-PRETAX> 18,356 <INCOME-PRE-EXTRAORDINARY> 18,356 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,647 <EPS-PRIMARY> 3.19 <EPS-DILUTED> 3.19 <YIELD-ACTUAL> 5.84 <LOANS-NON> 3,834 <LOANS-PAST> 975 <LOANS-TROUBLED> 208 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,923 <CHARGE-OFFS> 1,256 <RECOVERIES> 326 <ALLOWANCE-CLOSE> 6,113 <ALLOWANCE-DOMESTIC> 6,113 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0