<ARTICLE> 9
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                            6298
<INT-BEARING-DEPOSITS>                             100
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      11684
<INVESTMENTS-CARRYING>                           40926
<INVESTMENTS-MARKET>                             40414
<LOANS>                                         163339
<ALLOWANCE>                                        511
<TOTAL-ASSETS>                                  229812
<DEPOSITS>                                      173641
<SHORT-TERM>                                      8200
<LIABILITIES-OTHER>                               2499
<LONG-TERM>                                      20103
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            14
<OTHER-SE>                                       25355
<TOTAL-LIABILITIES-AND-EQUITY>                  229812
<INTEREST-LOAN>                                   3393
<INTEREST-INVEST>                                  784
<INTEREST-OTHER>                                    46
<INTEREST-TOTAL>                                  4223
<INTEREST-DEPOSIT>                                2113
<INTEREST-EXPENSE>                                2409
<INTEREST-INCOME-NET>                             1814
<LOAN-LOSSES>                                       16
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                   1064
<INCOME-PRETAX>                                    810
<INCOME-PRE-EXTRAORDINARY>                         810
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       525
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    3.41
<LOANS-NON>                                         15
<LOANS-PAST>                                       302
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   499
<CHARGE-OFFS>                                       16
<RECOVERIES>                                         4
<ALLOWANCE-CLOSE>                                  511
<ALLOWANCE-DOMESTIC>                               336
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            175