<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
                                            
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                              894
<INT-BEARING-DEPOSITS>                            6,081
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                       7,421
<INVESTMENTS-CARRYING>                            3,300
<INVESTMENTS-MARKET>                              3,277
<LOANS>                                         181,037<F1>
<ALLOWANCE>                                         653
<TOTAL-ASSETS>                                  201,886
<DEPOSITS>                                      144,938
<SHORT-TERM>                                     26,000
<LIABILITIES-OTHER>                               2,211
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                            219
<OTHER-SE>                                       28,518
<TOTAL-LIABILITIES-AND-EQUITY>                  201,886
<INTEREST-LOAN>                                   3,535
<INTEREST-INVEST>                                   221
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                  3,756
<INTEREST-DEPOSIT>                                1,694
<INTEREST-EXPENSE>                                  346
<INTEREST-INCOME-NET>                             1,716
<LOAN-LOSSES>                                        45
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                     943
<INCOME-PRETAX>                                     968
<INCOME-PRE-EXTRAORDINARY>                          968
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        560
<EPS-PRIMARY>                                      0.29
<EPS-DILUTED>                                      0.29
<YIELD-ACTUAL>                                     3.40
<LOANS-NON>                                         392
<LOANS-PAST>                                        197
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                     545
<ALLOWANCE-OPEN>                                    615
<CHARGE-OFFS>                                        18
<RECOVERIES>                                         10
<ALLOWANCE-CLOSE>                                   653
<ALLOWANCE-DOMESTIC>                                653
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0

<FN>
<F1>Includes held to maturity and held for sale
</FN>