<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 17,957 <INT-BEARING-DEPOSITS> 10 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 46,046 <INVESTMENTS-CARRYING> 11,456 <INVESTMENTS-MARKET> 11,058 <LOANS> 188,055 <ALLOWANCE> 2,674 <TOTAL-ASSETS> 285,884 <DEPOSITS> 247,446 <SHORT-TERM> 6,953 <LIABILITIES-OTHER> 4,381 <LONG-TERM> 5,435 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,592 <OTHER-SE> 6,077 <TOTAL-LIABILITIES-AND-EQUITY> 285,884 <INTEREST-LOAN> 4,687 <INTEREST-INVEST> 914 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 5,601 <INTEREST-DEPOSIT> 1,999 <INTEREST-EXPENSE> 2,072 <INTEREST-INCOME-NET> 3,529 <LOAN-LOSSES> 240 <SECURITIES-GAINS> (16) <EXPENSE-OTHER> 3,240 <INCOME-PRETAX> 783 <INCOME-PRE-EXTRAORDINARY> 783 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 513 <EPS-PRIMARY> .20 <EPS-DILUTED> .20 <YIELD-ACTUAL> 5.96 <LOANS-NON> 5,101 <LOANS-PAST> 1,565 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,792 <CHARGE-OFFS> 418 <RECOVERIES> 60 <ALLOWANCE-CLOSE> 2,674 <ALLOWANCE-DOMESTIC> 2,674 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0