<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 21,582,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> (7,000,000) <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 51,777,000 <INVESTMENTS-CARRYING> 10,244,000 <INVESTMENTS-MARKET> 10,089,000 <LOANS> 225,262,000 <ALLOWANCE> 3,055,000 <TOTAL-ASSETS> 324,948,000 <DEPOSITS> 290,716,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,276,000 <LONG-TERM> 4,575,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,000 <OTHER-SE> 21,378,000 <TOTAL-LIABILITIES-AND-EQUITY> 324,948,000 <INTEREST-LOAN> 5,630,000 <INTEREST-INVEST> 1,088,000 <INTEREST-OTHER> 23,000 <INTEREST-TOTAL> 6,741,000 <INTEREST-DEPOSIT> 1,654,000 <INTEREST-EXPENSE> 2,060,000 <INTEREST-INCOME-NET> 4,681,000 <LOAN-LOSSES> 108,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,559,000 <INCOME-PRETAX> 1,579,000 <INCOME-PRE-EXTRAORDINARY> 1,579,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 914,000 <EPS-PRIMARY> .33 <EPS-DILUTED> .29 <YIELD-ACTUAL> 6.67 <LOANS-NON> 1,920,000 <LOANS-PAST> 1,450,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,121,000 <CHARGE-OFFS> 249,000 <RECOVERIES> 75,000 <ALLOWANCE-CLOSE> 3,055,000 <ALLOWANCE-DOMESTIC> 3,055,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0