<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 6,357 <INT-BEARING-DEPOSITS> 26 <FED-FUNDS-SOLD> 2,075 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 29,466 <INVESTMENTS-CARRYING> 43,220 <INVESTMENTS-MARKET> 42,923 <LOANS> 129,883 <ALLOWANCE> 1,765 <TOTAL-ASSETS> 216,006 <DEPOSITS> 185,239 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,456 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,117 <OTHER-SE> 26,194 <TOTAL-LIABILITIES-AND-EQUITY> 216,006 <INTEREST-LOAN> 2,959 <INTEREST-INVEST> 976 <INTEREST-OTHER> 54 <INTEREST-TOTAL> 3,989 <INTEREST-DEPOSIT> 1,900 <INTEREST-EXPENSE> 1,900 <INTEREST-INCOME-NET> 2,089 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,314 <INCOME-PRETAX> 900 <INCOME-PRE-EXTRAORDINARY> 900 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 697 <EPS-PRIMARY> .62 <EPS-DILUTED> .62 <YIELD-ACTUAL> 7.86 <LOANS-NON> 293 <LOANS-PAST> 216 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,334 <ALLOWANCE-OPEN> 1,707 <CHARGE-OFFS> 4 <RECOVERIES> 17 <ALLOWANCE-CLOSE> 1,765 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0