<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 5,703 <INT-BEARING-DEPOSITS> 4,870 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 79,842 <INVESTMENTS-CARRYING> 19,421 <INVESTMENTS-MARKET> 19,180 <LOANS> 137,229 <ALLOWANCE> 2,295 <TOTAL-ASSETS> 250,351 <DEPOSITS> 203,269 <SHORT-TERM> 5,099 <LIABILITIES-OTHER> 1,564 <LONG-TERM> 13,000 <COMMON> 1,778 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 25,641 <TOTAL-LIABILITIES-AND-EQUITY> 250,351 <INTEREST-LOAN> 2,986 <INTEREST-INVEST> 1,611 <INTEREST-OTHER> 11 <INTEREST-TOTAL> 4,608 <INTEREST-DEPOSIT> 1,997 <INTEREST-EXPENSE> 240 <INTEREST-INCOME-NET> 2,371 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 6 <EXPENSE-OTHER> 1,215 <INCOME-PRETAX> 1,397 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,123 <EPS-PRIMARY> 1.26 <EPS-DILUTED> 0 <YIELD-ACTUAL> 4.51 <LOANS-NON> 361 <LOANS-PAST> 57 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,292 <ALLOWANCE-OPEN> 2,267 <CHARGE-OFFS> 20 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 2,295 <ALLOWANCE-DOMESTIC> 2,295 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 485