<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> 24,340 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 76,250 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 159,133 <INVESTMENTS-CARRYING> 49,667 <INVESTMENTS-MARKET> 50,555 <LOANS> 471,597 <ALLOWANCE> 4,286 <TOTAL-ASSETS> 808,408 <DEPOSITS> 692,757 <SHORT-TERM> 45,088 <LIABILITIES-OTHER> 3,794 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 429 <OTHER-SE> 66,340 <TOTAL-LIABILITIES-AND-EQUITY> 808,408 <INTEREST-LOAN> 37,655 <INTEREST-INVEST> 12,875 <INTEREST-OTHER> 1,292 <INTEREST-TOTAL> 51,822 <INTEREST-DEPOSIT> 19,976 <INTEREST-EXPENSE> 20,720 <INTEREST-INCOME-NET> 31,102 <LOAN-LOSSES> 450 <SECURITIES-GAINS> 72 <EXPENSE-OTHER> 27,517 <INCOME-PRETAX> 11,921 <INCOME-PRE-EXTRAORDINARY> 11,921 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,609 <EPS-PRIMARY> 1.77 <EPS-DILUTED> 1.77 <YIELD-ACTUAL> 4.63 <LOANS-NON> 1,535 <LOANS-PAST> 59 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,066 <CHARGE-OFFS> 582 <RECOVERIES> 352 <ALLOWANCE-CLOSE> 4,286 <ALLOWANCE-DOMESTIC> 4,286 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0