<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 4912 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 20000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 17316 <INVESTMENTS-CARRYING> 23526 <INVESTMENTS-MARKET> 23266 <LOANS> 52269 <ALLOWANCE> 620 <TOTAL-ASSETS> 122944 <DEPOSITS> 91603 <SHORT-TERM> 0 <LIABILITIES-OTHER> 969 <LONG-TERM> 18165 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4461 <OTHER-SE> 7746 <TOTAL-LIABILITIES-AND-EQUITY> 122944 <INTEREST-LOAN> 1303 <INTEREST-INVEST> 592 <INTEREST-OTHER> 224 <INTEREST-TOTAL> 2119 <INTEREST-DEPOSIT> 731 <INTEREST-EXPENSE> 1011 <INTEREST-INCOME-NET> 1108 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 780 <INCOME-PRETAX> 450 <INCOME-PRE-EXTRAORDINARY> 279 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 279 <EPS-PRIMARY> .24 <EPS-DILUTED> .24 <YIELD-ACTUAL> 7.5 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 183 <LOANS-PROBLEM> 788 <ALLOWANCE-OPEN> 628 <CHARGE-OFFS> 18 <RECOVERIES> 10 <ALLOWANCE-CLOSE> 620 <ALLOWANCE-DOMESTIC> 620 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0