<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1997 <CASH> 8,039 <INT-BEARING-DEPOSITS> 2,387 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,673 <INVESTMENTS-CARRYING> 55,428 <INVESTMENTS-MARKET> 57,747 <LOANS> 180,113 <ALLOWANCE> 2,042 <TOTAL-ASSETS> 282,871 <DEPOSITS> 248,243 <SHORT-TERM> 4,030 <LIABILITIES-OTHER> 3,724 <LONG-TERM> 2,975 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,360 <OTHER-SE> 22,540 <TOTAL-LIABILITIES-AND-EQUITY> 282,871 <INTEREST-LOAN> 4,135 <INTEREST-INVEST> 1,344 <INTEREST-OTHER> 7 <INTEREST-TOTAL> 5,486 <INTEREST-DEPOSIT> 2,642 <INTEREST-EXPENSE> 2,809 <INTEREST-INCOME-NET> 2,676 <LOAN-LOSSES> 53 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,040 <INCOME-PRETAX> 1,813 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,215 <EPS-PRIMARY> .89 <EPS-DILUTED> .89 <YIELD-ACTUAL> 4.19 <LOANS-NON> 1,815 <LOANS-PAST> 242 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,995 <CHARGE-OFFS> 8 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 2,042 <ALLOWANCE-DOMESTIC> 2,042 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0