<ARTICLE>  9
       
                                          
<PERIOD-TYPE>                                12-MOS
<FISCAL-YEAR-END>                                                          DEC-31-1996
<PERIOD-END>                                                               DEC-31-1996
<CASH>                                                                               6,509
<INT-BEARING-DEPOSITS>                                                                 316
<FED-FUNDS-SOLD>                                                                     7,024
<TRADING-ASSETS>                                                                     3,934
<INVESTMENTS-HELD-FOR-SALE>                                                         14,182
<INVESTMENTS-CARRYING>                                                               2,501
<INVESTMENTS-MARKET>                                                                 2,636
<LOANS>                                                                             98,064
<ALLOWANCE>                                                                         (1,365)
<TOTAL-ASSETS>                                                                     140,127
<DEPOSITS>                                                                          94,815
<SHORT-TERM>                                                                        23,024
<LIABILITIES-OTHER>                                                                  3,361
<LONG-TERM>                                                                          7,660
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                               958
<OTHER-SE>                                                                           9,050
<TOTAL-LIABILITIES-AND-EQUITY>                                                     140,127
<INTEREST-LOAN>                                                                      7,724
<INTEREST-INVEST>                                                                    1,304
<INTEREST-OTHER>                                                                       330
<INTEREST-TOTAL>                                                                     9,628
<INTEREST-DEPOSIT>                                                                   2,960
<INTEREST-EXPENSE>                                                                   4,632
<INTEREST-INCOME-NET>                                                                4,996
<LOAN-LOSSES>                                                                          375
<SECURITIES-GAINS>                                                                      35
<EXPENSE-OTHER>                                                                      4,668
<INCOME-PRETAX>                                                                      2,310
<INCOME-PRE-EXTRAORDINARY>                                                           2,310
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                         1,499
<EPS-PRIMARY>                                                                            5.35
<EPS-DILUTED>                                                                            5.35
<YIELD-ACTUAL>                                                                           4.21
<LOANS-NON>                                                                            655
<LOANS-PAST>                                                                           290
<LOANS-TROUBLED>                                                                        14
<LOANS-PROBLEM>                                                                          0
<ALLOWANCE-OPEN>                                                                     1,508
<CHARGE-OFFS>                                                                          722
<RECOVERIES>                                                                           154
<ALLOWANCE-CLOSE>                                                                    1,365
<ALLOWANCE-DOMESTIC>                                                                 1,029
<ALLOWANCE-FOREIGN>                                                                      4
<ALLOWANCE-UNALLOCATED>                                                                332