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<PERIOD-START>                          JAN-01-1997
<PERIOD-TYPE>                           3-MOS
<FISCAL-YEAR-END>                       DEC-31-1997
<PERIOD-END>                            MAR-31-1997
       
                                                                   
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<TRADING-ASSETS>                                                             0
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<ALLOWANCE>                                                              4,777
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<LONG-TERM>                                                                  0
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<LOAN-LOSSES>                                                               75
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<ALLOWANCE-DOMESTIC>                                                     4,777
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0