<ARTICLE> 9 <LEGEND> THI SCHEDULE CONTAINS FINANCIAL INFORMATION EXTRACTED FROM THE MARCH 31, 1997 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q </LEGEND> <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 10,973 <INT-BEARING-DEPOSITS> 3,994 <FED-FUNDS-SOLD> 11,395 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57,661 <INVESTMENTS-CARRYING> 98,938 <INVESTMENTS-MARKET> 98,184 <LOANS> 200,487 <ALLOWANCE> 2,445 <TOTAL-ASSETS> 392,878 <DEPOSITS> 337,526 <SHORT-TERM> 533 <LIABILITIES-OTHER> 3,941 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,482 <OTHER-SE> 41,396 <TOTAL-LIABILITIES-AND-EQUITY> 392,878 <INTEREST-LOAN> 4,602 <INTEREST-INVEST> 2,461 <INTEREST-OTHER> 102 <INTEREST-TOTAL> 7,165 <INTEREST-DEPOSIT> 3,176 <INTEREST-EXPENSE> 3,201 <INTEREST-INCOME-NET> 3,964 <LOAN-LOSSES> 109 <SECURITIES-GAINS> 8 <EXPENSE-OTHER> 2,441 <INCOME-PRETAX> 2,092 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,530 <EPS-PRIMARY> .40 <EPS-DILUTED> .40 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0