<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           44156
<INT-BEARING-DEPOSITS>                             396
<FED-FUNDS-SOLD>                                 44617
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     119862
<INVESTMENTS-CARRYING>                            9297
<INVESTMENTS-MARKET>                              9273
<LOANS>                                         396835
<ALLOWANCE>                                       3907
<TOTAL-ASSETS>                                  645134
<DEPOSITS>                                      574423
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               6573
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         49492
<OTHER-SE>                                       14646
<TOTAL-LIABILITIES-AND-EQUITY>                  645134
<INTEREST-LOAN>                                   9531
<INTEREST-INVEST>                                 2455
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 11986
<INTEREST-DEPOSIT>                                3855
<INTEREST-EXPENSE>                                3862
<INTEREST-INCOME-NET>                             8124
<LOAN-LOSSES>                                      285
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   4960
<INCOME-PRETAX>                                   3684
<INCOME-PRE-EXTRAORDINARY>                        3684
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      2242
<EPS-PRIMARY>                                      .53
<EPS-DILUTED>                                      .53
<YIELD-ACTUAL>                                     8.7
<LOANS-NON>                                       1550
<LOANS-PAST>                                       762
<LOANS-TROUBLED>                                   271
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  3672
<CHARGE-OFFS>                                       88
<RECOVERIES>                                        38
<ALLOWANCE-CLOSE>                                 3907
<ALLOWANCE-DOMESTIC>                              3907
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0