<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 11185 <INT-BEARING-DEPOSITS> 207 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 52366 <INVESTMENTS-CARRYING> 33830 <INVESTMENTS-MARKET> 33591 <LOANS> 229022 <ALLOWANCE> 3020 <TOTAL-ASSETS> 338710 <DEPOSITS> 267984 <SHORT-TERM> 25937 <LIABILITIES-OTHER> 2318 <LONG-TERM> 7096 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2030 <OTHER-SE> 33345 <TOTAL-LIABILITIES-AND-EQUITY> 35375 <INTEREST-LOAN> 5074 <INTEREST-INVEST> 1292 <INTEREST-OTHER> 17 <INTEREST-TOTAL> 6383 <INTEREST-DEPOSIT> 2427 <INTEREST-EXPENSE> 2853 <INTEREST-INCOME-NET> 3530 <LOAN-LOSSES> 193 <SECURITIES-GAINS> 111 <EXPENSE-OTHER> 2795 <INCOME-PRETAX> 1536 <INCOME-PRE-EXTRAORDINARY> 1536 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1135 <EPS-PRIMARY> .62 <EPS-DILUTED> .61 <YIELD-ACTUAL> 8.34 <LOANS-NON> 1106 <LOANS-PAST> 656 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3060 <CHARGE-OFFS> 250 <RECOVERIES> 17 <ALLOWANCE-CLOSE> 3020 <ALLOWANCE-DOMESTIC> 3020 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 448