<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the first quarter
10-Q and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          32,621
<INT-BEARING-DEPOSITS>                             271
<FED-FUNDS-SOLD>                                   627
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     81,419
<INVESTMENTS-CARRYING>                         130,218
<INVESTMENTS-MARKET>                           129,937
<LOANS>                                        400,934
<ALLOWANCE>                                      5,291
<TOTAL-ASSETS>                                 667,925
<DEPOSITS>                                     497,233
<SHORT-TERM>                                   105,841
<LIABILITIES-OTHER>                              6,354
<LONG-TERM>                                     15,391
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,453
<OTHER-SE>                                      41,653
<TOTAL-LIABILITIES-AND-EQUITY>                 667,925
<INTEREST-LOAN>                                  9,014
<INTEREST-INVEST>                                3,300
<INTEREST-OTHER>                                    86
<INTEREST-TOTAL>                                12,400
<INTEREST-DEPOSIT>                               4,867
<INTEREST-EXPENSE>                               6,414
<INTEREST-INCOME-NET>                            5,986
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,656
<INCOME-PRETAX>                                  2,869
<INCOME-PRE-EXTRAORDINARY>                       1,827
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,827
<EPS-PRIMARY>                                      .63
<EPS-DILUTED>                                      .63
<YIELD-ACTUAL>                                    3.94
<LOANS-NON>                                        327
<LOANS-PAST>                                       342
<LOANS-TROUBLED>                                 1,239
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,306
<CHARGE-OFFS>                                       91
<RECOVERIES>                                        16
<ALLOWANCE-CLOSE>                                5,291
<ALLOWANCE-DOMESTIC>                             1,852
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,439