<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