<ARTICLE> 9
<LEGEND>   Exhibit 27 to Form 10-Q for Quarter Ended March 31, 1997
</LEGEND>
<MULTIPLIER>                                     1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          21,166
<INT-BEARING-DEPOSITS>                           1,149
<FED-FUNDS-SOLD>                                 6,385
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    135,957
<INVESTMENTS-CARRYING>                          10,534
<INVESTMENTS-MARKET>                            10,570
<LOANS>                                        359,398
<ALLOWANCE>                                      4,373
<TOTAL-ASSETS>                                 557,773
<DEPOSITS>                                     446,698
<SHORT-TERM>                                    35,181
<LIABILITIES-OTHER>                              4,591
<LONG-TERM>                                     11,050
<PREFERRED-MANDATORY>                           14,262
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                         126
<TOTAL-LIABILITIES-AND-EQUITY>                 557,773
<INTEREST-LOAN>                                  8,219
<INTEREST-INVEST>                                2,118
<INTEREST-OTHER>                                    73
<INTEREST-TOTAL>                                10,410
<INTEREST-DEPOSIT>                               4,408
<INTEREST-EXPENSE>                                 526
<INTEREST-INCOME-NET>                            5,476
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                  31
<EXPENSE-OTHER>                                  3,774
<INCOME-PRETAX>                                  2,507
<INCOME-PRE-EXTRAORDINARY>                       2,507
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,937
<EPS-PRIMARY>                                      .54
<EPS-DILUTED>                                      .54
<YIELD-ACTUAL>                                    8.56
<LOANS-NON>                                        477
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    477
<ALLOWANCE-OPEN>                                 4,388
<CHARGE-OFFS>                                      251
<RECOVERIES>                                        36
<ALLOWANCE-CLOSE>                                4,373
<ALLOWANCE-DOMESTIC>                             4,373
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,373