<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31, 1997 FIRST FINANCIAL 10Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 4,780,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 20,000,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 48,729,000 <INVESTMENTS-CARRYING> 1,788,000 <INVESTMENTS-MARKET> 1,872,000 <LOANS> 53,461,000 <ALLOWANCE> 1,464,000 <TOTAL-ASSETS> 139,585,000 <DEPOSITS> 127,757,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 769,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,325,000 <OTHER-SE> 4,632,000 <TOTAL-LIABILITIES-AND-EQUITY> 139,585,000 <INTEREST-LOAN> 1,824,000 <INTEREST-INVEST> 668,000 <INTEREST-OTHER> 135,000 <INTEREST-TOTAL> 2,627,000 <INTEREST-DEPOSIT> 825,000 <INTEREST-EXPENSE> 825,000 <INTEREST-INCOME-NET> 1,802,000 <LOAN-LOSSES> (80,000) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,648,000 <INCOME-PRETAX> 540,000 <INCOME-PRE-EXTRAORDINARY> 540,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 340,000 <EPS-PRIMARY> .25 <EPS-DILUTED> .25 <YIELD-ACTUAL> 6.83 <LOANS-NON> 707,000 <LOANS-PAST> 32,000 <LOANS-TROUBLED> 983,183 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,207,000 <CHARGE-OFFS> 4,000 <RECOVERIES> 341,000 <ALLOWANCE-CLOSE> 1,464,000 <ALLOWANCE-DOMESTIC> 1,464,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 651,000