PART II - OTHER INFORMATION
Item 6. Exhibits and Reports on Form 8-K.
(27) Financial Data Schedule
SIGNATURES
In accordance with the requirements of the Exchange Act, the registrant
caused this report to be signed on its behalf by the undersigned, thereunto
duly authorized.
MCB FINANCIAL CORPORATION
(Registrant)
Date: May 9, 1997 /s/ Brian M. Riley
Chief Financial Officer
(Principal Accounting Officer)
<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<CASH> 9,610
<INT-BEARING-DEPOSITS> 384
<FED-FUNDS-SOLD> 770
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 9,340
<INVESTMENTS-CARRYING> 25,740
<INVESTMENTS-MARKET> 25,534
<LOANS> 81,066
<ALLOWANCE> 944
<TOTAL-ASSETS> 131,504
<DEPOSITS> 119,858
<SHORT-TERM> 447
<LIABILITIES-OTHER> 1,014
<LONG-TERM> 0
0
0
<COMMON> 9,399
<OTHER-SE> 787
<TOTAL-LIABILITIES-AND-EQUITY> 131,504
<INTEREST-LOAN> 7,736
<INTEREST-INVEST> 2,416
<INTEREST-OTHER> 233
<INTEREST-TOTAL> 10,385
<INTEREST-DEPOSIT> 3,985
<INTEREST-EXPENSE> 4,018
<INTEREST-INCOME-NET> 6,367
<LOAN-LOSSES> 220
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 5,565
<INCOME-PRETAX> 3,350
<INCOME-PRE-EXTRAORDINARY> 3,350
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,971
<EPS-PRIMARY> 2.08
<EPS-DILUTED> 2.08
<YIELD-ACTUAL> 9.02
<LOANS-NON> 79
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 752
<CHARGE-OFFS> 47
<RECOVERIES> 19
<ALLOWANCE-CLOSE> 944
<ALLOWANCE-DOMESTIC> 833
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 111
</TABLE>