<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