<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           6,799
<INT-BEARING-DEPOSITS>                           3,866
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        336
<INVESTMENTS-CARRYING>                          91,973
<INVESTMENTS-MARKET>                            90,611
<LOANS>                                        405,061
<ALLOWANCE>                                       1243
<TOTAL-ASSETS>                                 519,765
<DEPOSITS>                                     431,412
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                              3,132
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        42,185
<OTHER-SE>                                      40,036
<TOTAL-LIABILITIES-AND-EQUITY>                 519,765
<INTEREST-LOAN>                                  8,220
<INTEREST-INVEST>                                1,452
<INTEREST-OTHER>                                    43
<INTEREST-TOTAL>                                 9,715
<INTEREST-DEPOSIT>                               5,560
<INTEREST-EXPENSE>                               5,573
<INTEREST-INCOME-NET>                            4,142
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,112
<INCOME-PRETAX>                                  2,348
<INCOME-PRE-EXTRAORDINARY>                       1,510
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,510
<EPS-PRIMARY>                                      .33
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    7.80
<LOANS-NON>                                        816
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    747
<ALLOWANCE-OPEN>                                 1,251
<CHARGE-OFFS>                                       11
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                 1243
<ALLOWANCE-DOMESTIC>                               409
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            834