<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 0 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 0 <ALLOWANCE> 0 <TOTAL-ASSETS> 0 <DEPOSITS> 0 <SHORT-TERM> 0 <LIABILITIES-OTHER> 0 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 0 <INTEREST-LOAN> 10,203 <INTEREST-INVEST> 2,971 <INTEREST-OTHER> 9,455 <INTEREST-TOTAL> 22,629 <INTEREST-DEPOSIT> 7,515 <INTEREST-EXPENSE> 8,531 <INTEREST-INCOME-NET> 14,098 <LOAN-LOSSES> 987 <SECURITIES-GAINS> (74) <EXPENSE-OTHER> 7,738 <INCOME-PRETAX> 6,879 <INCOME-PRE-EXTRAORDINARY> 4,494 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,494 <EPS-PRIMARY> 2.00 <EPS-DILUTED> 2.00 <YIELD-ACTUAL> 10.67 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> (1,001) <CHARGE-OFFS> 705 <RECOVERIES> (38) <ALLOWANCE-CLOSE> (1,491) <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0