<ARTICLE>                                          9
                    
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<PERIOD-END>                                 MAR-31-1997
<CASH>                                         1,957
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<INVESTMENTS-MARKET>                         132,444
<LOANS>                                      201,990
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<TOTAL-ASSETS>                               371,169
<DEPOSITS>                                   233,393
<SHORT-TERM>                                  32,500
<LIABILITIES-OTHER>                            5,497
<LONG-TERM>                                   62,500 
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<PREFERRED>                                        0
<COMMON>                                         225
<OTHER-SE>                                    37,054 
<TOTAL-LIABILITIES-AND-EQUITY>               371,169  
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<INTEREST-INVEST>                              4,825
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<INTEREST-TOTAL>                              12,286
<INTEREST-DEPOSIT>                             5,471
<INTEREST-EXPENSE>                             2,512
<INTEREST-INCOME-NET>                          4,303
<LOAN-LOSSES>                                     25
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                4,495
<INCOME-PRETAX>                                3,342
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<NET-INCOME>                                   2,066
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<YIELD-ACTUAL>                                  2.59
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