<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 13,648 <INT-BEARING-DEPOSITS> 788 <FED-FUNDS-SOLD> 950 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 103,734 <INVESTMENTS-CARRYING> 23,014 <INVESTMENTS-MARKET> 23,364 <LOANS> 317,881 <ALLOWANCE> 6,386 <TOTAL-ASSETS> 479,776 <DEPOSITS> 419,435 <SHORT-TERM> 7,109 <LIABILITIES-OTHER> 4,049 <LONG-TERM> 0 <COMMON> 25,416 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 23,767 <TOTAL-LIABILITIES-AND-EQUITY> 479,776 <INTEREST-LOAN> 7,036 <INTEREST-INVEST> 1,925 <INTEREST-OTHER> 128 <INTEREST-TOTAL> 9,089 <INTEREST-DEPOSIT> 4,162 <INTEREST-EXPENSE> 99 <INTEREST-INCOME-NET> 4,828 <LOAN-LOSSES> 139 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,319 <INCOME-PRETAX> 1,917 <INCOME-PRE-EXTRAORDINARY> 1,917 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,274 <EPS-PRIMARY> .50 <EPS-DILUTED> .50 <YIELD-ACTUAL> 4.25 <LOANS-NON> 1,071 <LOANS-PAST> 850 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,921 <ALLOWANCE-OPEN> 6,528 <CHARGE-OFFS> 328 <RECOVERIES> 47 <ALLOWANCE-CLOSE> 6,386 <ALLOWANCE-DOMESTIC> 6,386 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,403