<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Form 10-Q filed as of March 31, 1997.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          23,329
<INT-BEARING-DEPOSITS>                           1,200
<FED-FUNDS-SOLD>                                15,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    146,912
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        448,860
<ALLOWANCE>                                      7,152
<TOTAL-ASSETS>                                 655,153
<DEPOSITS>                                     542,684
<SHORT-TERM>                                    17,959
<LIABILITIES-OTHER>                              6,688
<LONG-TERM>                                     31,363
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,438
<OTHER-SE>                                      22,021
<TOTAL-LIABILITIES-AND-EQUITY>                 655,153
<INTEREST-LOAN>                                 10,181
<INTEREST-INVEST>                                2,139
<INTEREST-OTHER>                                   442
<INTEREST-TOTAL>                                12,762
<INTEREST-DEPOSIT>                               5,230
<INTEREST-EXPENSE>                               5,918
<INTEREST-INCOME-NET>                            6,844
<LOAN-LOSSES>                                      588
<SECURITIES-GAINS>                                (29)
<EXPENSE-OTHER>                                  4,705
<INCOME-PRETAX>                                  2,940
<INCOME-PRE-EXTRAORDINARY>                       2,002
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,002
<EPS-PRIMARY>                                     0.57
<EPS-DILUTED>                                     0.57
<YIELD-ACTUAL>                                    4.72
<LOANS-NON>                                      1,204
<LOANS-PAST>                                       776
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,873
<CHARGE-OFFS>                                      511
<RECOVERIES>                                        82
<ALLOWANCE-CLOSE>                                7,152
<ALLOWANCE-DOMESTIC>                             7,152
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            726