<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 5981 <INT-BEARING-DEPOSITS> 3222 <FED-FUNDS-SOLD> 16350 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 28752 <INVESTMENTS-CARRYING> 45859 <INVESTMENTS-MARKET> 46085 <LOANS> 161,942 <ALLOWANCE> 2191 <TOTAL-ASSETS> 265738 <DEPOSITS> 223162 <SHORT-TERM> 4368 <LIABILITIES-OTHER> 971 <LONG-TERM> 12718 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8152 <OTHER-SE> 16366 <TOTAL-LIABILITIES-AND-EQUITY> 265738 <INTEREST-LOAN> 4034 <INTEREST-INVEST> 885 <INTEREST-OTHER> 312 <INTEREST-TOTAL> 5231 <INTEREST-DEPOSIT> 2277 <INTEREST-EXPENSE> 2516 <INTEREST-INCOME-NET> 2715 <LOAN-LOSSES> 102 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1493 <INCOME-PRETAX> 1598 <INCOME-PRE-EXTRAORDINARY> 1175 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1175 <EPS-PRIMARY> .91 <EPS-DILUTED> .91 <YIELD-ACTUAL> 4.41 <LOANS-NON> 209 <LOANS-PAST> 981 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2121 <CHARGE-OFFS> 47 <RECOVERIES> 16 <ALLOWANCE-CLOSE> 2191 <ALLOWANCE-DOMESTIC> 1366 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 825