<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 14,242 <INT-BEARING-DEPOSITS> 12,485 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 150,703 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,093,954 <ALLOWANCE> 5,478 <TOTAL-ASSETS> 1,313,141 <DEPOSITS> 1,004,517 <SHORT-TERM> 128,800 <LIABILITIES-OTHER> 25,571 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 54 <OTHER-SE> 122,259 <TOTAL-LIABILITIES-AND-EQUITY> 1,313,141 <INTEREST-LOAN> 16,708 <INTEREST-INVEST> 2,016 <INTEREST-OTHER> 137 <INTEREST-TOTAL> 18,861 <INTEREST-DEPOSIT> 8,933 <INTEREST-EXPENSE> 11,341 <INTEREST-INCOME-NET> 7,520 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (396) <EXPENSE-OTHER> 7,889 <INCOME-PRETAX> 2,328 <INCOME-PRE-EXTRAORDINARY> 2,328 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,429 <EPS-PRIMARY> 0.32 <EPS-DILUTED> 0.32 <YIELD-ACTUAL> 2.87 <LOANS-NON> 1,761 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,272 <CHARGE-OFFS> 0 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 5,478 <ALLOWANCE-DOMESTIC> 525 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 4,885