<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 25,362 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 20,545 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 60,630 <INVESTMENTS-CARRYING> 116,061 <INVESTMENTS-MARKET> 115,850 <LOANS> 232,363 <ALLOWANCE> 3,327 <TOTAL-ASSETS> 403,490 <DEPOSITS> 354,458 <SHORT-TERM> 0 <LIABILITIES-OTHER> 12,811 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,045 <OTHER-SE> 32,176 <TOTAL-LIABILITIES-AND-EQUITY> 403,490 <INTEREST-LOAN> 5,384 <INTEREST-INVEST> 1,739 <INTEREST-OTHER> 203 <INTEREST-TOTAL> 7,326 <INTEREST-DEPOSIT> 2,410 <INTEREST-EXPENSE> 2,540 <INTEREST-INCOME-NET> 4,786 <LOAN-LOSSES> 155 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,846 <INCOME-PRETAX> 2,547 <INCOME-PRE-EXTRAORDINARY> 1,672 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,672 <EPS-PRIMARY> .52 <EPS-DILUTED> .52 <YIELD-ACTUAL> 5.43 <LOANS-NON> 1,005 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 7,010 <ALLOWANCE-OPEN> 2,972 <CHARGE-OFFS> 19 <RECOVERIES> 219 <ALLOWANCE-CLOSE> 3,327 <ALLOWANCE-DOMESTIC> 3,327 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0