<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>                                          35,304
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                21,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     95,990
<INVESTMENTS-CARRYING>                           8,082
<INVESTMENTS-MARKET>                             7,946
<LOANS>                                        226,519
<ALLOWANCE>                                      4,603
<TOTAL-ASSETS>                                 404,050
<DEPOSITS>                                     349,193
<SHORT-TERM>                                     2,881
<LIABILITIES-OTHER>                              4,377
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        32,477
<OTHER-SE>                                      15,122
<TOTAL-LIABILITIES-AND-EQUITY>                 404,050
<INTEREST-LOAN>                                  5,269
<INTEREST-INVEST>                                1,535
<INTEREST-OTHER>                                   330
<INTEREST-TOTAL>                                 7,134
<INTEREST-DEPOSIT>                               1,808
<INTEREST-EXPENSE>                               1,838
<INTEREST-INCOME-NET>                            5,296
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,262
<INCOME-PRETAX>                                  2,027
<INCOME-PRE-EXTRAORDINARY>                       2,027
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,210
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    8.23
<LOANS-NON>                                      5,248
<LOANS-PAST>                                        60
<LOANS-TROUBLED>                                 2,595
<LOANS-PROBLEM>                                  3,507
<ALLOWANCE-OPEN>                                 4,672
<CHARGE-OFFS>                                       90
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                4,603
<ALLOWANCE-DOMESTIC>                             4,603
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,603