<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>