<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT MARCH 31, 1997 AND DECEMBER 31, 1996 AND
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS ENDED MARCH 31, 1997 AND
1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           1,164
<INT-BEARING-DEPOSITS>                          11,590
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    180,148
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        344,588
<ALLOWANCE>                                      2,423
<TOTAL-ASSETS>                                 553,021
<DEPOSITS>                                     364,123
<SHORT-TERM>                                    41,429
<LIABILITIES-OTHER>                              4,405
<LONG-TERM>                                     64,292
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            61
<OTHER-SE>                                      78,711
<TOTAL-LIABILITIES-AND-EQUITY>                 553,021
<INTEREST-LOAN>                                  6,908
<INTEREST-INVEST>                                2,913
<INTEREST-OTHER>                                    82
<INTEREST-TOTAL>                                 9,903
<INTEREST-DEPOSIT>                               4,573
<INTEREST-EXPENSE>                               6,024
<INTEREST-INCOME-NET>                            3,879
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                 271
<EXPENSE-OTHER>                                  2,114
<INCOME-PRETAX>                                  2,388
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,474
<EPS-PRIMARY>                                      .38
<EPS-DILUTED>                                      .38
<YIELD-ACTUAL>                                    7.47
<LOANS-NON>                                        326
<LOANS-PAST>                                        15
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    125
<ALLOWANCE-OPEN>                                 2,341
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                2,423
<ALLOWANCE-DOMESTIC>                             1,205
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,218