<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH
31, 1997 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          12,412
<INT-BEARING-DEPOSITS>                           1,647
<FED-FUNDS-SOLD>                                12,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     87,849
<INVESTMENTS-CARRYING>                          14,711
<INVESTMENTS-MARKET>                            14,809
<LOANS>                                        120,533
<ALLOWANCE>                                      3,306
<TOTAL-ASSETS>                                 253,935
<DEPOSITS>                                     216,704
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              8,772
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           775
<OTHER-SE>                                      27,684
<TOTAL-LIABILITIES-AND-EQUITY>                 253,935
<INTEREST-LOAN>                                  2,767
<INTEREST-INVEST>                                1,459
<INTEREST-OTHER>                                   250
<INTEREST-TOTAL>                                 4,476
<INTEREST-DEPOSIT>                               1,844
<INTEREST-EXPENSE>                               1,912
<INTEREST-INCOME-NET>                            2,564
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,354
<INCOME-PRETAX>                                  1,763
<INCOME-PRE-EXTRAORDINARY>                       1,214
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,214
<EPS-PRIMARY>                                     4.33
<EPS-DILUTED>                                     4.33
<YIELD-ACTUAL>                                    4.54
<LOANS-NON>                                        332
<LOANS-PAST>                                       317
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    425
<ALLOWANCE-OPEN>                                 3,306
<CHARGE-OFFS>                                       67
<RECOVERIES>                                        67
<ALLOWANCE-CLOSE>                                3,306
<ALLOWANCE-DOMESTIC>                             3,306
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0