<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> 8,990 <INT-BEARING-DEPOSITS> 95 <FED-FUNDS-SOLD> 12,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 35,829 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 101,192 <ALLOWANCE> 1,699 <TOTAL-ASSETS> 181,552 <DEPOSITS> 161,476 <SHORT-TERM> 0 <LIABILITIES-OTHER> 6,179 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,201 <OTHER-SE> 4,836 <TOTAL-LIABILITIES-AND-EQUITY> 181,552 <INTEREST-LOAN> 2,800 <INTEREST-INVEST> 534 <INTEREST-OTHER> 114 <INTEREST-TOTAL> 3,448 <INTEREST-DEPOSIT> 1,259 <INTEREST-EXPENSE> 1,279 <INTEREST-INCOME-NET> 2,169 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 2,545 <INCOME-PRETAX> 405 <INCOME-PRE-EXTRAORDINARY> 405 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 235 <EPS-PRIMARY> 0.12 <EPS-DILUTED> 0.12 <YIELD-ACTUAL> 6.10 <LOANS-NON> 3,442 <LOANS-PAST> 9 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 282 <ALLOWANCE-OPEN> 1,615 <CHARGE-OFFS> 6 <RECOVERIES> 90 <ALLOWANCE-CLOSE> 1,699 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,699