<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FR0M THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED MARCH 31, 1997 AS PRESENTED IN ITS FIRST QUARTER FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          29,172
<INT-BEARING-DEPOSITS>                              95
<FED-FUNDS-SOLD>                                 4,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    181,369
<INVESTMENTS-CARRYING>                          11,835
<INVESTMENTS-MARKET>                            11,835
<LOANS>                                        285,880
<ALLOWANCE>                                      3,980
<TOTAL-ASSETS>                                 534,094
<DEPOSITS>                                     449,978
<SHORT-TERM>                                     9,323
<LIABILITIES-OTHER>                              9,032
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,750
<OTHER-SE>                                      45,009
<TOTAL-LIABILITIES-AND-EQUITY>                 534,094
<INTEREST-LOAN>                                  6,399
<INTEREST-INVEST>                                2,982
<INTEREST-OTHER>                                   116
<INTEREST-TOTAL>                                 9,497
<INTEREST-DEPOSIT>                               3,488
<INTEREST-EXPENSE>                               3,828
<INTEREST-INCOME-NET>                            5,669
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,914
<INCOME-PRETAX>                                  2,225
<INCOME-PRE-EXTRAORDINARY>                       1,478
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,478
<EPS-PRIMARY>                                      .71
<EPS-DILUTED>                                      .71
<YIELD-ACTUAL>                                    4.78
<LOANS-NON>                                      1,481
<LOANS-PAST>                                       156
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,975
<CHARGE-OFFS>                                      213
<RECOVERIES>                                        18
<ALLOWANCE-CLOSE>                                3,980
<ALLOWANCE-DOMESTIC>                             2,640
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,340