<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 6,648,000 <INT-BEARING-DEPOSITS> 5,340,000 <FED-FUNDS-SOLD> 15,830,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 23,830,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 94,680,000 <ALLOWANCE> 1,714,000 <TOTAL-ASSETS> 149,472,000 <DEPOSITS> 133,340,000 <SHORT-TERM> (94,000) <LIABILITIES-OTHER> 1,571,000 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,332,000 <OTHER-SE> 3,323,000 <TOTAL-LIABILITIES-AND-EQUITY> 149,472,000 <INTEREST-LOAN> 2,007,000 <INTEREST-INVEST> 671,000 <INTEREST-OTHER> 255,000 <INTEREST-TOTAL> 2,933,000 <INTEREST-DEPOSIT> 846,000 <INTEREST-EXPENSE> 845,000 <INTEREST-INCOME-NET> 2,088,000 <LOAN-LOSSES> 156,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,497,000 <INCOME-PRETAX> 618,000 <INCOME-PRE-EXTRAORDINARY> 362,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 362,000 <EPS-PRIMARY> 0.15 <EPS-DILUTED> 0.13 <YIELD-ACTUAL> 0.059 <LOANS-NON> 2,712,000 <LOANS-PAST> 2,424,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,300,000 <CHARGE-OFFS> 764,000 <RECOVERIES> 22,000 <ALLOWANCE-CLOSE> 1,714,000 <ALLOWANCE-DOMESTIC> 1,714,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0