<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1997 <CASH> 18,571 <INT-BEARING-DEPOSITS> 4,695 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,115 <INVESTMENTS-CARRYING> 221,165 <INVESTMENTS-MARKET> 218,686 <LOANS> 316,057 <ALLOWANCE> 1,910 <TOTAL-ASSETS> 644,368 <DEPOSITS> 460,910 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 10,236 <LONG-TERM> 198,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 69,334 <TOTAL-LIABILITIES-AND-EQUITY> 644,368 <INTEREST-LOAN> 6,192 <INTEREST-INVEST> 4,675 <INTEREST-OTHER> 308 <INTEREST-TOTAL> 11,175 <INTEREST-DEPOSIT> 4,657 <INTEREST-EXPENSE> 6,114 <INTEREST-INCOME-NET> 5,061 <LOAN-LOSSES> 105 <SECURITIES-GAINS> 73 <EXPENSE-OTHER> 3,408 <INCOME-PRETAX> 1,938 <INCOME-PRE-EXTRAORDINARY> 3,943 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,164 <EPS-PRIMARY> .29 <EPS-DILUTED> 0 <YIELD-ACTUAL> 3.26 <LOANS-NON> 0 <LOANS-PAST> 1,998 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,513 <CHARGE-OFFS> 8 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,910 <ALLOWANCE-DOMESTIC> 1,910 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,910