<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 28,923 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 45,808 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 66,981 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 348,109 <ALLOWANCE> 5,345 <TOTAL-ASSETS> 507,126 <DEPOSITS> 448,618 <SHORT-TERM> 5,830 <LIABILITIES-OTHER> 2,307 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,763 <OTHER-SE> 12,608 <TOTAL-LIABILITIES-AND-EQUITY> 507,126 <INTEREST-LOAN> 7,762 <INTEREST-INVEST> 951 <INTEREST-OTHER> 201 <INTEREST-TOTAL> 8,914 <INTEREST-DEPOSIT> 2,867 <INTEREST-EXPENSE> 2,981 <INTEREST-INCOME-NET> 5,933 <LOAN-LOSSES> 350 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,879 <INCOME-PRETAX> 1,961 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,145 <EPS-PRIMARY> 0.15 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.58 <LOANS-NON> 7,871 <LOANS-PAST> 5 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,947 <CHARGE-OFFS> 11 <RECOVERIES> 59 <ALLOWANCE-CLOSE> 5,345 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0