<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