<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