<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> 13,967 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 34,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12,779 <INVESTMENTS-CARRYING> 29,191 <INVESTMENTS-MARKET> 29,205 <LOANS> 162,788 <ALLOWANCE> 4,057 <TOTAL-ASSETS> 264,516 <DEPOSITS> 239,267 <SHORT-TERM> 496 <LIABILITIES-OTHER> 2,124 <LONG-TERM> 120 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,461 <OTHER-SE> 11,048 <TOTAL-LIABILITIES-AND-EQUITY> 264,516 <INTEREST-LOAN> 4,323 <INTEREST-INVEST> 1,150 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 5,473 <INTEREST-DEPOSIT> 2,205 <INTEREST-EXPENSE> 6 <INTEREST-INCOME-NET> 3,262 <LOAN-LOSSES> 40 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,957 <INCOME-PRETAX> 1,327 <INCOME-PRE-EXTRAORDINARY> 1,327 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 817 <EPS-PRIMARY> 0.53 <EPS-DILUTED> 0.46 <YIELD-ACTUAL> 9.17 <LOANS-NON> 835 <LOANS-PAST> 1,973 <LOANS-TROUBLED> 972 <LOANS-PROBLEM> 13,279 <ALLOWANCE-OPEN> 4,053 <CHARGE-OFFS> 47 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 4,057 <ALLOWANCE-DOMESTIC> 4,057 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0