<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> 14,036 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 34,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 62,437 <INVESTMENTS-CARRYING> 5,911 <INVESTMENTS-MARKET> 6,006 <LOANS> 118,926 <ALLOWANCE> 3,378 <TOTAL-ASSETS> 238,998 <DEPOSITS> 186,867 <SHORT-TERM> 24,355 <LIABILITIES-OTHER> 4,011 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,041 <OTHER-SE> 12,724 <TOTAL-LIABILITIES-AND-EQUITY> 238,998 <INTEREST-LOAN> 3,321 <INTEREST-INVEST> 1,168 <INTEREST-OTHER> 305 <INTEREST-TOTAL> 4,794 <INTEREST-DEPOSIT> 947 <INTEREST-EXPENSE> 1,278 <INTEREST-INCOME-NET> 3,516 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,666 <INCOME-PRETAX> 1,972 <INCOME-PRE-EXTRAORDINARY> 1,972 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,166 <EPS-PRIMARY> .52 <EPS-DILUTED> .52 <YIELD-ACTUAL> .065 <LOANS-NON> 159 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,158 <CHARGE-OFFS> 40 <RECOVERIES> 35 <ALLOWANCE-CLOSE> 3,378 <ALLOWANCE-DOMESTIC> 3,378 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0