<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          32,589
<INT-BEARING-DEPOSITS>                             399
<FED-FUNDS-SOLD>                                54,706
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     24,529
<INVESTMENTS-CARRYING>                          75,059
<INVESTMENTS-MARKET>                            74,756
<LOANS>                                        237,220
<ALLOWANCE>                                      4,313
<TOTAL-ASSETS>                                 430,316
<DEPOSITS>                                     384,856
<SHORT-TERM>                                     5,709
<LIABILITIES-OTHER>                              1,968
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,908
<OTHER-SE>                                       6,875
<TOTAL-LIABILITIES-AND-EQUITY>                 430,316
<INTEREST-LOAN>                                  5,932
<INTEREST-INVEST>                                1,110
<INTEREST-OTHER>                                   590
<INTEREST-TOTAL>                                 7,632
<INTEREST-DEPOSIT>                               2,610
<INTEREST-EXPENSE>                               2,612
<INTEREST-INCOME-NET>                            5,020
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,949
<INCOME-PRETAX>                                  2,457
<INCOME-PRE-EXTRAORDINARY>                       2,457
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,451
<EPS-PRIMARY>                                     0.31
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    5.60
<LOANS-NON>                                        629
<LOANS-PAST>                                       312
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,372
<CHARGE-OFFS>                                       88
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                4,313
<ALLOWANCE-DOMESTIC>                             4,313
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0