[ARTICLE] 9
[MULTIPLIER] 1,000
<TABLE>
<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
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 9,399
[OTHER-SE] 787
[TOTAL-LIABILITIES-AND-EQUITY] 131,504
[INTEREST-LOAN] 7,736
[INTEREST-INVEST] 2,649
[INTEREST-OTHER] 0
[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] 944
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 111
</TABLE>
