<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Balance Sheet, and Statement of Income, and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 12,378 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 9,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,596 <INVESTMENTS-CARRYING> 12,180 <INVESTMENTS-MARKET> 12,173 <LOANS> 67,006 <ALLOWANCE> 1,447 <TOTAL-ASSETS> 107,357 <DEPOSITS> 96,577 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,078 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,177 <OTHER-SE> 5,525 <TOTAL-LIABILITIES-AND-EQUITY> 107,357 <INTEREST-LOAN> 1,856 <INTEREST-INVEST> 227 <INTEREST-OTHER> 112 <INTEREST-TOTAL> 2,195 <INTEREST-DEPOSIT> 661 <INTEREST-EXPENSE> 661 <INTEREST-INCOME-NET> 1,534 <LOAN-LOSSES> 40 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,399 <INCOME-PRETAX> 681 <INCOME-PRE-EXTRAORDINARY> 681 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 392 <EPS-PRIMARY> 0.41 <EPS-DILUTED> 0.41 <YIELD-ACTUAL> 6.62 <LOANS-NON> 1,035 <LOANS-PAST> 312 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,447 <CHARGE-OFFS> 0 <RECOVERIES> 7 <ALLOWANCE-CLOSE> 1,447 <ALLOWANCE-DOMESTIC> 1,447 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0