<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1996
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          28,487
<INT-BEARING-DEPOSITS>                              35
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   500
<INVESTMENTS-HELD-FOR-SALE>                     38,555
<INVESTMENTS-CARRYING>                         103,029
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        388,036
<ALLOWANCE>                                   (16,103)
<TOTAL-ASSETS>                                 577,031
<DEPOSITS>                                     500,099
<SHORT-TERM>                                    12,158
<LIABILITIES-OTHER>                             10,818
<LONG-TERM>                                      6,419
<COMMON>                                            44
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      47,501
<TOTAL-LIABILITIES-AND-EQUITY>                 577,031
<INTEREST-LOAN>                                  9,043
<INTEREST-INVEST>                                2,342
<INTEREST-OTHER>                                    73
<INTEREST-TOTAL>                                11,450
<INTEREST-DEPOSIT>                               4,215
<INTEREST-EXPENSE>                               4,468
<INTEREST-INCOME-NET>                            6,990
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                (40)
<EXPENSE-OTHER>                                  6,512
<INCOME-PRETAX>                                  2,365
<INCOME-PRE-EXTRAORDINARY>                       2,365
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,864
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    5.57
<LOANS-NON>                                      3,316
<LOANS-PAST>                                        80
<LOANS-TROUBLED>                                 2,362
<LOANS-PROBLEM>                                 11,736
<ALLOWANCE-OPEN>                                15,700
<CHARGE-OFFS>                                    (480)
<RECOVERIES>                                       583
<ALLOWANCE-CLOSE>                               16,103
<ALLOWANCE-DOMESTIC>                            16,103
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,451