<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> 36,527 <INT-BEARING-DEPOSITS> 1,500 <FED-FUNDS-SOLD> 13,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 155,775 <INVESTMENTS-CARRYING> 35,208 <INVESTMENTS-MARKET> 36,195 <LOANS> 540,768 <ALLOWANCE> 6,827 <TOTAL-ASSETS> 816,334 <DEPOSITS> 667,035 <SHORT-TERM> 43,757 <LIABILITIES-OTHER> 4,748 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,658 <OTHER-SE> 81,136 <TOTAL-LIABILITIES-AND-EQUITY> 816,334 <INTEREST-LOAN> 38,877 <INTEREST-INVEST> 11,297 <INTEREST-OTHER> 1,717 <INTEREST-TOTAL> 51,891 <INTEREST-DEPOSIT> 17,900 <INTEREST-EXPENSE> 19,311 <INTEREST-INCOME-NET> 32,580 <LOAN-LOSSES> 1,875 <SECURITIES-GAINS> 362 <EXPENSE-OTHER> 18,021 <INCOME-PRETAX> 18,577 <INCOME-PRE-EXTRAORDINARY> 18,577 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,387 <EPS-PRIMARY> 2.22 <EPS-DILUTED> 2.22 <YIELD-ACTUAL> 8.18 <LOANS-NON> 4,123 <LOANS-PAST> 1,709 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,336 <CHARGE-OFFS> 1,963 <RECOVERIES> 294 <ALLOWANCE-CLOSE> 6,827 <ALLOWANCE-DOMESTIC> 4,637 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,190