<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