<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 8,368 <INT-BEARING-DEPOSITS> 35 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 82,081 <INVESTMENTS-CARRYING> 3,104 <INVESTMENTS-MARKET> 0 <LOANS> 163,010 <ALLOWANCE> 2,479 <TOTAL-ASSETS> 262,065 <DEPOSITS> 212,011 <SHORT-TERM> 12,619 <LIABILITIES-OTHER> 2,825 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,773 <OTHER-SE> 21,837 <TOTAL-LIABILITIES-AND-EQUITY> 262,065 <INTEREST-LOAN> 3,819 <INTEREST-INVEST> 1,292 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 5,111 <INTEREST-DEPOSIT> 1,885 <INTEREST-EXPENSE> 197 <INTEREST-INCOME-NET> 3,029 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 1,176 <EXPENSE-OTHER> 1,776 <INCOME-PRETAX> 2,645 <INCOME-PRE-EXTRAORDINARY> 2,645 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,946 <EPS-PRIMARY> 1.52 <EPS-DILUTED> 0 <YIELD-ACTUAL> 0 <LOANS-NON> 596 <LOANS-PAST> 2,472 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,413 <CHARGE-OFFS> 49 <RECOVERIES> 55 <ALLOWANCE-CLOSE> 2,479 <ALLOWANCE-DOMESTIC> 2,479 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0