<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