<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC
Form 10-QSB and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           4,272
<INT-BEARING-DEPOSITS>                          21,413
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           6,296
<INVESTMENTS-MARKET>                             6,272
<LOANS>                                         97,181
<ALLOWANCE>                                        408
<TOTAL-ASSETS>                                 137,898
<DEPOSITS>                                     107,364
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,362
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            21
<OTHER-SE>                                      29,151
<TOTAL-LIABILITIES-AND-EQUITY>                 137,898
<INTEREST-LOAN>                                  2,062
<INTEREST-INVEST>                                   85
<INTEREST-OTHER>                                   288
<INTEREST-TOTAL>                                 2,435
<INTEREST-DEPOSIT>                               1,052
<INTEREST-EXPENSE>                               1,060
<INTEREST-INCOME-NET>                            1,375
<LOAN-LOSSES>                                       39
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,165
<INCOME-PRETAX>                                    329
<INCOME-PRE-EXTRAORDINARY>                         329
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       191
<EPS-PRIMARY>                                     0.12
<EPS-DILUTED>                                     0.10
<YIELD-ACTUAL>                                    4.49
<LOANS-NON>                                         20
<LOANS-PAST>                                       197
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,803
<ALLOWANCE-OPEN>                                   374
<CHARGE-OFFS>                                        5
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  408
<ALLOWANCE-DOMESTIC>                               408
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0