<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>