<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                         9,094
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               6,058
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    19,559
<INVESTMENTS-CARRYING>                         16,180
<INVESTMENTS-MARKET>                           15,828
<LOANS>                                        117,894
<ALLOWANCE>                                    1,369
<TOTAL-ASSETS>                                 173,331
<DEPOSITS>                                     152,607
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            1,499
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       19,463
<OTHER-SE>                                     0
<TOTAL-LIABILITIES-AND-EQUITY>                 173,331
<INTEREST-LOAN>                                2,837
<INTEREST-INVEST>                              677
<INTEREST-OTHER>                               0
<INTEREST-TOTAL>                               3,514
<INTEREST-DEPOSIT>                             1,355
<INTEREST-EXPENSE>                             1,355
<INTEREST-INCOME-NET>                          2,159
<LOAN-LOSSES>                                  0
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,349
<INCOME-PRETAX>                                1,108
<INCOME-PRE-EXTRAORDINARY>                     1,108
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   697
<EPS-PRIMARY>                                  0.35
<EPS-DILUTED>                                  0.35
<YIELD-ACTUAL>                                 0.088
<LOANS-NON>                                    240
<LOANS-PAST>                                   945
<LOANS-TROUBLED>                               49
<LOANS-PROBLEM>                                1,185
<ALLOWANCE-OPEN>                               1,246
<CHARGE-OFFS>                                  35
<RECOVERIES>                                   158
<ALLOWANCE-CLOSE>                              1,369
<ALLOWANCE-DOMESTIC>                           1,369
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0