<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> 10,806 <INT-BEARING-DEPOSITS> 14 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 61,309 <INVESTMENTS-CARRYING> 17,387 <INVESTMENTS-MARKET> 0 <LOANS> 223,103 <ALLOWANCE> 2,473 <TOTAL-ASSETS> 327,008 <DEPOSITS> 270,056 <SHORT-TERM> 14,656 <LIABILITIES-OTHER> 2,580 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,912 <OTHER-SE> 32,804 <TOTAL-LIABILITIES-AND-EQUITY> 327,008 <INTEREST-LOAN> 18,231 <INTEREST-INVEST> 4,740 <INTEREST-OTHER> 87 <INTEREST-TOTAL> 23,058 <INTEREST-DEPOSIT> 9,421 <INTEREST-EXPENSE> 376 <INTEREST-INCOME-NET> 9,797 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (7) <EXPENSE-OTHER> 8,960 <INCOME-PRETAX> 5,576 <INCOME-PRE-EXTRAORDINARY> 4,126 <EXTRAORDINARY> 156 <CHANGES> 0 <NET-INCOME> 4,282 <EPS-PRIMARY> 0 <EPS-DILUTED> 2.49 <YIELD-ACTUAL> 8.23 <LOANS-NON> 230 <LOANS-PAST> 2,166 <LOANS-TROUBLED> 654 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,145 <CHARGE-OFFS> 360 <RECOVERIES> 88 <ALLOWANCE-CLOSE> 2,473 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0