<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1997             MAR-31-1996
<PERIOD-START>                             JAN-01-1997             JAN-01-1996
<PERIOD-END>                               MAR-31-1997             MAR-31-1996
<CASH>                                          13,546                  13,465
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 4,600                   8,850
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     30,784                   7,908
<INVESTMENTS-CARRYING>                          37,131                  48,539
<INVESTMENTS-MARKET>                            37,097                  49,030
<LOANS>                                        199,170                 153,488
<ALLOWANCE>                                      5,041                   5,076
<TOTAL-ASSETS>                                 289,704                 235,218
<DEPOSITS>                                     252,859                 202,854
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              2,404                   1,952
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        31,222                  36,914
<OTHER-SE>                                       3,219                 (6,502)
<TOTAL-LIABILITIES-AND-EQUITY>                 289,704                 235,218
<INTEREST-LOAN>                                  4,707                   4,132
<INTEREST-INVEST>                                1,212                     960
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                 5,919                   5,092
<INTEREST-DEPOSIT>                               1,634                   1,122
<INTEREST-EXPENSE>                               1,635                   1,136
<INTEREST-INCOME-NET>                            4,284                   3,956
<LOAN-LOSSES>                                       25                     225
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  2,846                   2,790
<INCOME-PRETAX>                                  1,630                   1,120
<INCOME-PRE-EXTRAORDINARY>                       1,630                   1,120
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,050                     925
<EPS-PRIMARY>                                      .23                     .20
<EPS-DILUTED>                                      .23                     .20
<YIELD-ACTUAL>                                    .066                    .073
<LOANS-NON>                                      2,945                   2,920
<LOANS-PAST>                                       341                     497
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,969                   4,960
<CHARGE-OFFS>                                       19                     154
<RECOVERIES>                                        66                      45
<ALLOWANCE-CLOSE>                                5,041                   5,076
<ALLOWANCE-DOMESTIC>                             5,041                   5,076
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,258                   1,325