<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>                                           6,898
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,285
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,852
<INVESTMENTS-CARRYING>                          21,795
<INVESTMENTS-MARKET>                            21,906
<LOANS>                                        223,092
<ALLOWANCE>                                      2,669
<TOTAL-ASSETS>                                 298,059
<DEPOSITS>                                     239,868
<SHORT-TERM>                                    12,779
<LIABILITIES-OTHER>                              5,003
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           978
<OTHER-SE>                                      39,431
<TOTAL-LIABILITIES-AND-EQUITY>                 298,059
<INTEREST-LOAN>                                  5,470
<INTEREST-INVEST>                                  654
<INTEREST-OTHER>                                   186
<INTEREST-TOTAL>                                 6,310
<INTEREST-DEPOSIT>                               2,644
<INTEREST-EXPENSE>                               2,844
<INTEREST-INCOME-NET>                            3,466
<LOAN-LOSSES>                                      184
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,183
<INCOME-PRETAX>                                  1,658
<INCOME-PRE-EXTRAORDINARY>                       1,658
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,158
<EPS-PRIMARY>                                      .28
<EPS-DILUTED>                                      .28
<YIELD-ACTUAL>                                    5.24<F1>
<LOANS-NON>                                        426
<LOANS-PAST>                                       887
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,523
<CHARGE-OFFS>                                       90
<RECOVERIES>                                        52
<ALLOWANCE-CLOSE>                                2,669
<ALLOWANCE-DOMESTIC>                             2,669
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Note 1, Tag number 46 computed on a tax-equivalent basis
</FN>