<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> 23,323 <INT-BEARING-DEPOSITS> 495 <FED-FUNDS-SOLD> 24,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,764 <INVESTMENTS-CARRYING> 5,698 <INVESTMENTS-MARKET> 5,702 <LOANS> 143,297 <ALLOWANCE> 2,822 <TOTAL-ASSETS> 205,173 <DEPOSITS> 188,020 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,094 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,963 <OTHER-SE> 2,247 <TOTAL-LIABILITIES-AND-EQUITY> 205,173 <INTEREST-LOAN> 3,356 <INTEREST-INVEST> 187 <INTEREST-OTHER> 206 <INTEREST-TOTAL> 3,749 <INTEREST-DEPOSIT> 755 <INTEREST-EXPENSE> 755 <INTEREST-INCOME-NET> 2,994 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,524 <INCOME-PRETAX> 592 <INCOME-PRE-EXTRAORDINARY> 592 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 376 <EPS-PRIMARY> .27 <EPS-DILUTED> .26 <YIELD-ACTUAL> 0 <LOANS-NON> 3,637 <LOANS-PAST> 71 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,737 <CHARGE-OFFS> 66 <RECOVERIES> 1 <ALLOWANCE-CLOSE> 2,822 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0