<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM CONDENSED BALANCE
SHEET AND STATEMENT OF INCOME AND IS QUALIFIED INITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                                                  
<PERIOD-TYPE>                   12-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-END>                               MAR-31-1997             MAR-31-1997
<CASH>                                          10,881                       0
<INT-BEARING-DEPOSITS>                             166                       0
<FED-FUNDS-SOLD>                                   350                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                          80,300                       0
<INVESTMENTS-MARKET>                            80,046                       0
<LOANS>                                        228,575                       0
<ALLOWANCE>                                      2,493                       0
<TOTAL-ASSETS>                                 329,226                       0
<DEPOSITS>                                     278,398                       0
<SHORT-TERM>                                    14,378                       0
<LIABILITIES-OTHER>                              3,350                       0
<LONG-TERM>                                      5,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,251                       0
<OTHER-SE>                                      26,849                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 329,226                       0
<INTEREST-LOAN>                                  4,885                   4,885
<INTEREST-INVEST>                                1,298                   1,298
<INTEREST-OTHER>                                    39                      39
<INTEREST-TOTAL>                                 6,222                   6,222
<INTEREST-DEPOSIT>                               2,795                   2,795
<INTEREST-EXPENSE>                               3,076                   3,076
<INTEREST-INCOME-NET>                            3,146                   3,146
<LOAN-LOSSES>                                       45                      45
<SECURITIES-GAINS>                                   3                       3
<EXPENSE-OTHER>                                  2,014                   2,014
<INCOME-PRETAX>                                  1,472                   1,472
<INCOME-PRE-EXTRAORDINARY>                       1,472                   1,472
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       892                     892
<EPS-PRIMARY>                                     0.71                    0.71
<EPS-DILUTED>                                     0.71                    0.71
<YIELD-ACTUAL>                                    8.13                       0
<LOANS-NON>                                        320                       0
<LOANS-PAST>                                         7                       7
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,506                       0
<CHARGE-OFFS>                                       78                       0
<RECOVERIES>                                        20                       0
<ALLOWANCE-CLOSE>                                2,493                       0
<ALLOWANCE-DOMESTIC>                             1,013                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,480                       0