<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheet and consolidated statement of income found on pages 2
and 3 of the Company's Form 10-Q for March 31, 1997 and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                      26,775,000
<INT-BEARING-DEPOSITS>                         499,000
<FED-FUNDS-SOLD>                            19,500,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 22,034,000
<INVESTMENTS-CARRYING>                      10,220,000
<INVESTMENTS-MARKET>                        10,162,000
<LOANS>                                    185,820,000
<ALLOWANCE>                                  3,304,000
<TOTAL-ASSETS>                             278,891,000
<DEPOSITS>                                 248,908,000
<SHORT-TERM>                                 3,940,000
<LIABILITIES-OTHER>                          1,765,000
<LONG-TERM>                                  3,477,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,771,000
<OTHER-SE>                                   9,030,000
<TOTAL-LIABILITIES-AND-EQUITY>             278,891,000
<INTEREST-LOAN>                              4,470,000
<INTEREST-INVEST>                              444,000
<INTEREST-OTHER>                                58,000
<INTEREST-TOTAL>                             4,972,000
<INTEREST-DEPOSIT>                           1,243,000
<INTEREST-EXPENSE>                           1,358,000
<INTEREST-INCOME-NET>                        3,614,000
<LOAN-LOSSES>                                  335,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,682,000
<INCOME-PRETAX>                              1,042,000
<INCOME-PRE-EXTRAORDINARY>                     650,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   650,000
<EPS-PRIMARY>                                      .16
<EPS-DILUTED>                                      .15
<YIELD-ACTUAL>                                    9.23
<LOANS-NON>                                  3,720,000
<LOANS-PAST>                                    47,000
<LOANS-TROUBLED>                             4,362,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             3,129,000
<CHARGE-OFFS>                                  171,000
<RECOVERIES>                                    11,000
<ALLOWANCE-CLOSE>                            3,304,000
<ALLOWANCE-DOMESTIC>                         3,304,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0