<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 8,046 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 9,171 <INVESTMENTS-CARRYING> 16,016 <INVESTMENTS-MARKET> 15,876 <LOANS> 70,582 <ALLOWANCE> 954 <TOTAL-ASSETS> 101,597 <DEPOSITS> 88,967 <SHORT-TERM> 2,206 <LIABILITIES-OTHER> 868 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,662 <OTHER-SE> 5,894 <TOTAL-LIABILITIES-AND-EQUITY> 101,597 <INTEREST-LOAN> 1,731 <INTEREST-INVEST> 242 <INTEREST-OTHER> 48 <INTEREST-TOTAL> 2,021 <INTEREST-DEPOSIT> 637 <INTEREST-EXPENSE> 665 <INTEREST-INCOME-NET> 1,356 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,252 <INCOME-PRETAX> 298 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 182 <EPS-PRIMARY> 0.17 <EPS-DILUTED> 0.15 <YIELD-ACTUAL> 6.13 <LOANS-NON> 384 <LOANS-PAST> 224 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 608 <ALLOWANCE-OPEN> 971 <CHARGE-OFFS> 19 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 954 <ALLOWANCE-DOMESTIC> 954 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 340