<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> 30,679 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,887 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 87,700 <INVESTMENTS-CARRYING> 119,899 <INVESTMENTS-MARKET> 119,557 <LOANS> 446,201 <ALLOWANCE> 7,118 <TOTAL-ASSETS> 631,713 <DEPOSITS> 531,801 <SHORT-TERM> 31,733 <LIABILITIES-OTHER> 9,733 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,018 <OTHER-SE> 51,428 <TOTAL-LIABILITIES-AND-EQUITY> 631,713 <INTEREST-LOAN> 11,623 <INTEREST-INVEST> 1,781 <INTEREST-OTHER> 92 <INTEREST-TOTAL> 13,496 <INTEREST-DEPOSIT> 5,489 <INTEREST-EXPENSE> 5,865 <INTEREST-INCOME-NET> 7,631 <LOAN-LOSSES> 584 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,172 <INCOME-PRETAX> 2,611 <INCOME-PRE-EXTRAORDINARY> 2,611 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,732 <EPS-PRIMARY> .26 <EPS-DILUTED> .26 <YIELD-ACTUAL> 5.50 <LOANS-NON> 5,558 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 5,558 <ALLOWANCE-OPEN> 6,873 <CHARGE-OFFS> 557 <RECOVERIES> 217 <ALLOWANCE-CLOSE> 7,118 <ALLOWANCE-DOMESTIC> 7,118 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 7,118