<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 5,324 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,385 <INVESTMENTS-CARRYING> 47,385 <INVESTMENTS-MARKET> 47,385 <LOANS> 125,781 <ALLOWANCE> 1,357 <TOTAL-ASSETS> 189,648 <DEPOSITS> 170,917 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,336 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 17,196 <TOTAL-LIABILITIES-AND-EQUITY> 189,648 <INTEREST-LOAN> 2,674 <INTEREST-INVEST> 813 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 3,487 <INTEREST-DEPOSIT> 1,833 <INTEREST-EXPENSE> 1,833 <INTEREST-INCOME-NET> 1,654 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,403 <INCOME-PRETAX> 553 <INCOME-PRE-EXTRAORDINARY> 553 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 409 <EPS-PRIMARY> 1.09 <EPS-DILUTED> 1.09 <YIELD-ACTUAL> 8.88 <LOANS-NON> 1,622 <LOANS-PAST> 44 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,097 <ALLOWANCE-OPEN> 1,329 <CHARGE-OFFS> 86 <RECOVERIES> 24 <ALLOWANCE-CLOSE> 1,357 <ALLOWANCE-DOMESTIC> 1,357 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0