<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 5,300 <INT-BEARING-DEPOSITS> 30 <FED-FUNDS-SOLD> 6,154 <TRADING-ASSETS> 983 <INVESTMENTS-HELD-FOR-SALE> 36,367 <INVESTMENTS-CARRYING> 36,367 <INVESTMENTS-MARKET> 36,367 <LOANS> 112,198 <ALLOWANCE> 1,657 <TOTAL-ASSETS> 166,055 <DEPOSITS> 142,702 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,074 <LONG-TERM> 5,334 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 204 <OTHER-SE> 15,741 <TOTAL-LIABILITIES-AND-EQUITY> 166,055 <INTEREST-LOAN> 2,491 <INTEREST-INVEST> 565 <INTEREST-OTHER> 47 <INTEREST-TOTAL> 3,103 <INTEREST-DEPOSIT> 1,260 <INTEREST-EXPENSE> 1,300 <INTEREST-INCOME-NET> 1,803 <LOAN-LOSSES> 45 <SECURITIES-GAINS> (5) <EXPENSE-OTHER> 1,307 <INCOME-PRETAX> 791 <INCOME-PRE-EXTRAORDINARY> 559 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 559 <EPS-PRIMARY> .57 <EPS-DILUTED> .57 <YIELD-ACTUAL> 5.06 <LOANS-NON> 31 <LOANS-PAST> 215 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,620 <CHARGE-OFFS> 8 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,657 <ALLOWANCE-DOMESTIC> 1,657 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0