<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM EVANS
BANCORP INC. BALANCE SHEET AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANICAL STATEMENTS.
</LEGEND>
<CIK> 0000842518
<NAME> EVANS BANCORP INC.
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       5,662,231
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,450,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 30,201,120
<INVESTMENTS-CARRYING>                       5,853,204
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     92,087,902
<ALLOWANCE>                                  (546,954)
<TOTAL-ASSETS>                             140,898,057
<DEPOSITS>                                 123,461,379
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,926,595
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       849,475
<OTHER-SE>                                  14,660,608
<TOTAL-LIABILITIES-AND-EQUITY>             140,898,057
<INTEREST-LOAN>                              7,381,871
<INTEREST-INVEST>                            2,216,113
<INTEREST-OTHER>                               201,831
<INTEREST-TOTAL>                             9,799,815
<INTEREST-DEPOSIT>                           3,911,311
<INTEREST-EXPENSE>                           3,912,761
<INTEREST-INCOME-NET>                        5,887,054
<LOAN-LOSSES>                                   60,000
<SECURITIES-GAINS>                            (23,731)
<EXPENSE-OTHER>                              4,555,398
<INCOME-PRETAX>                              2,202,642
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,614,642
<EPS-PRIMARY>                                     4.75
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.27
<LOANS-NON>                                    164,084
<LOANS-PAST>                                    96,199
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               557,961
<CHARGE-OFFS>                                   76,604
<RECOVERIES>                                     5,597
<ALLOWANCE-CLOSE>                              549,844
<ALLOWANCE-DOMESTIC>                            60,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0