<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 5,659 <INT-BEARING-DEPOSITS> 384 <FED-FUNDS-SOLD> 7,780 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 13,009 <INVESTMENTS-CARRYING> 24,740 <INVESTMENTS-MARKET> 24,160 <LOANS> 79,275 <ALLOWANCE> 929 <TOTAL-ASSETS> 134,945 <DEPOSITS> 122,635 <SHORT-TERM> 744 <LIABILITIES-OTHER> 1,174 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,435 <OTHER-SE> 956 <TOTAL-LIABILITIES-AND-EQUITY> 134,945 <INTEREST-LOAN> 1,998 <INTEREST-INVEST> 566 <INTEREST-OTHER> 72 <INTEREST-TOTAL> 2,636 <INTEREST-DEPOSIT> 987 <INTEREST-EXPENSE> 995 <INTEREST-INCOME-NET> 1,640 <LOAN-LOSSES> 20 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,410 <INCOME-PRETAX> 417 <INCOME-PRE-EXTRAORDINARY> 417 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 247 <EPS-PRIMARY> .25 <EPS-DILUTED> .25 <YIELD-ACTUAL> 8.74 <LOANS-NON> 79 <LOANS-PAST> 547 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 944 <CHARGE-OFFS> 46 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 929 <ALLOWANCE-DOMESTIC> 834 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 95