<ARTICLE> 9
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 <PERIOD-TYPE>   3-MOS
                                                       
 <FISCAL-YEAR-END>                                        DEC-31-1997 
 <PERIOD-END>                                             MAR-31-1997
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 <TRADING-ASSETS>                                                   0
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 <INVESTMENTS-MARKET>                                           3,491
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 <ALLOWANCE>                                                    2,756
 <TOTAL-ASSETS>                                               534,563
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 <SHORT-TERM>                                                  35,350
 <LIABILITIES-OTHER>                                            4,282
 <LONG-TERM>                                                    6,950
 <COMMON>                                                       3,802
 <PREFERRED-MANDATORY>                                              0
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 <OTHER-SE>                                                    33,898
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 <INTEREST-LOAN>                                                7,197
 <INTEREST-INVEST>                                              1,859
 <INTEREST-OTHER>                                                  36
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 <INTEREST-EXPENSE>                                             4,531
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 <LOAN-LOSSES>                                                    100
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 <INCOME-PRETAX>                                                1,954
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 <EXTRAORDINARY>                                                    0
 <CHANGES>                                                          0
 <NET-INCOME>                                                   1,265
 <EPS-PRIMARY>                                                   1.26
 <EPS-DILUTED>                                                   1.18
 <YIELD-ACTUAL>                                                  3.96
 <LOANS-NON>                                                    1,223
 <LOANS-PAST>                                                     399
 <LOANS-TROUBLED>                                                 444
 <LOANS-PROBLEM>                                                    0
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 <CHARGE-OFFS>                                                     40
 <RECOVERIES>                                                      12
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 <ALLOWANCE-DOMESTIC>                                           2,756
 <ALLOWANCE-FOREIGN>                                                0
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