<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 19,551 <INT-BEARING-DEPOSITS> 211 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 59,041 <INVESTMENTS-CARRYING> 12,810 <INVESTMENTS-MARKET> 12,838 <LOANS> 271,476 <ALLOWANCE> 2,435 <TOTAL-ASSETS> 382,038 <DEPOSITS> 289,180 <SHORT-TERM> 12,849 <LIABILITIES-OTHER> 4,411 <LONG-TERM> 41,500 <COMMON> 708 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 32,800 <TOTAL-LIABILITIES-AND-EQUITY> 382,038 <INTEREST-LOAN> 23,096 <INTEREST-INVEST> 5,137 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 28,233 <INTEREST-DEPOSIT> 9,605 <INTEREST-EXPENSE> 11,800 <INTEREST-INCOME-NET> 16,433 <LOAN-LOSSES> 66 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,750 <INCOME-PRETAX> 5,423 <INCOME-PRE-EXTRAORDINARY> 3,824 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,824 <EPS-PRIMARY> 5.19 <EPS-DILUTED> 5.19 <YIELD-ACTUAL> 4.86 <LOANS-NON> 316 <LOANS-PAST> 682 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 124 <ALLOWANCE-OPEN> 2777 <CHARGE-OFFS> 557 <RECOVERIES> 149 <ALLOWANCE-CLOSE> 2,435 <ALLOWANCE-DOMESTIC> 1,753 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 682