<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           2,534
<INT-BEARING-DEPOSITS>                          23,872
<FED-FUNDS-SOLD>                                72,875
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          14,964
<INVESTMENTS-MARKET>                            15,429
<LOANS>                                        531,480
<ALLOWANCE>                                        665
<TOTAL-ASSETS>                                 656,183
<DEPOSITS>                                     483,941
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,255
<LONG-TERM>                                     70,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            86
<OTHER-SE>                                      86,347
<TOTAL-LIABILITIES-AND-EQUITY>                 656,183
<INTEREST-LOAN>                                 36,798
<INTEREST-INVEST>                                3,970
<INTEREST-OTHER>                                   239
<INTEREST-TOTAL>                                41,007
<INTEREST-DEPOSIT>                              21,859
<INTEREST-EXPENSE>                                 191
<INTEREST-INCOME-NET>                           22,050
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,177
<INCOME-PRETAX>                                 11,888
<INCOME-PRE-EXTRAORDINARY>                      11,888
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,402
<EPS-PRIMARY>                                     1.00
<EPS-DILUTED>                                     1.00
<YIELD-ACTUAL>                                    3.38
<LOANS-NON>                                        400
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   575
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  665
<ALLOWANCE-DOMESTIC>                               665
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0