<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           6,010
<INT-BEARING-DEPOSITS>                             343
<FED-FUNDS-SOLD>                                 1,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,962
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        171,093
<ALLOWANCE>                                      1,972
<TOTAL-ASSETS>                                 240,255
<DEPOSITS>                                     212,831
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,438
<LONG-TERM>                                      2,965
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,613
<OTHER-SE>                                      20,408
<TOTAL-LIABILITIES-AND-EQUITY>                 240,255
<INTEREST-LOAN>                                  3,803
<INTEREST-INVEST>                                  822
<INTEREST-OTHER>                                    18
<INTEREST-TOTAL>                                 4,643
<INTEREST-DEPOSIT>                               2,065
<INTEREST-EXPENSE>                               2,126
<INTEREST-INCOME-NET>                            2,517
<LOAN-LOSSES>                                       67
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,799
<INCOME-PRETAX>                                    932
<INCOME-PRE-EXTRAORDINARY>                         932
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       640
<EPS-PRIMARY>                                      .58
<EPS-DILUTED>                                      .58
<YIELD-ACTUAL>                                    4.53
<LOANS-NON>                                      1,803
<LOANS-PAST>                                       735
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,110
<CHARGE-OFFS>                                      226
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                1,972
<ALLOWANCE-DOMESTIC>                             1,972
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0