<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 22,780 <INT-BEARING-DEPOSITS> 318 <FED-FUNDS-SOLD> 15,320 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,796 <INVESTMENTS-CARRYING> 14,986 <INVESTMENTS-MARKET> 15,209 <LOANS> 335,083<F1> <ALLOWANCE> 7,085 <TOTAL-ASSETS> 460,990 <DEPOSITS> 404,807 <SHORT-TERM> 5,204 <LIABILITIES-OTHER> 8,860 <LONG-TERM> 12,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 5,750 <COMMON> 19,471 <OTHER-SE> 4,898<F2> <TOTAL-LIABILITIES-AND-EQUITY> 460,990 <INTEREST-LOAN> 8,628 <INTEREST-INVEST> 829 <INTEREST-OTHER> 281 <INTEREST-TOTAL> 9,738 <INTEREST-DEPOSIT> 4,288 <INTEREST-EXPENSE> 4,649 <INTEREST-INCOME-NET> 5,089 <LOAN-LOSSES> 585 <SECURITIES-GAINS> 1 <EXPENSE-OTHER> 6,513 <INCOME-PRETAX> 1,000 <INCOME-PRE-EXTRAORDINARY> 1,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 580 <EPS-PRIMARY> .16 <EPS-DILUTED> .16 <YIELD-ACTUAL> 4.85 <LOANS-NON> 9,670 <LOANS-PAST> 746 <LOANS-TROUBLED> 1,622 <LOANS-PROBLEM> 2,585 <ALLOWANCE-OPEN> 7,085 <CHARGE-OFFS> 575 <RECOVERIES> 35 <ALLOWANCE-CLOSE> 7,085 <ALLOWANCE-DOMESTIC> 6,403 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 683 <FN> <F1>EXCLUDES MORTGAGE LOANS HELD FOR SALE 19,064. <F2>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE OF 602. </FN>