<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 11,062 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 37,178 <INVESTMENTS-CARRYING> 12,575 <INVESTMENTS-MARKET> 12,582 <LOANS> 138,154 <ALLOWANCE> 1,891 <TOTAL-ASSETS> 203,530 <DEPOSITS> 178,002 <SHORT-TERM> 5,631 <LIABILITIES-OTHER> 1,235 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 16,857 <TOTAL-LIABILITIES-AND-EQUITY> 203,530 <INTEREST-LOAN> 2,994 <INTEREST-INVEST> 753 <INTEREST-OTHER> 10 <INTEREST-TOTAL> 3,757 <INTEREST-DEPOSIT> 1,901 <INTEREST-EXPENSE> 1,978 <INTEREST-INCOME-NET> 1,779 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,059 <INCOME-PRETAX> 863 <INCOME-PRE-EXTRAORDINARY> 863 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 581 <EPS-PRIMARY> .65 <EPS-DILUTED> .65 <YIELD-ACTUAL> 3.83 <LOANS-NON> 813 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,110 <ALLOWANCE-OPEN> 1,925 <CHARGE-OFFS> 79 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,891 <ALLOWANCE-DOMESTIC> 1,891 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0