<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          17,916
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 7,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     40,746
<INVESTMENTS-CARRYING>                           9,148
<INVESTMENTS-MARKET>                             9,043
<LOANS>                                        405,397
<ALLOWANCE>                                      7,616
<TOTAL-ASSETS>                                 496,121
<DEPOSITS>                                     422,640
<SHORT-TERM>                                     5,398
<LIABILITIES-OTHER>                              7,181
<LONG-TERM>                                     13,129
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,514
<OTHER-SE>                                      43,259
<TOTAL-LIABILITIES-AND-EQUITY>                 496,121
<INTEREST-LOAN>                                 10,332
<INTEREST-INVEST>                                  761
<INTEREST-OTHER>                                    35
<INTEREST-TOTAL>                                11,128
<INTEREST-DEPOSIT>                               4,058
<INTEREST-EXPENSE>                               4,318
<INTEREST-INCOME-NET>                            6,810
<LOAN-LOSSES>                                      421
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,495
<INCOME-PRETAX>                                  4,003
<INCOME-PRE-EXTRAORDINARY>                       4,003
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,488
<EPS-PRIMARY>                                     5.50
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        465
<LOANS-PAST>                                     1,190
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  7,156
<ALLOWANCE-OPEN>                                 7,331
<CHARGE-OFFS>                                      263
<RECOVERIES>                                       127
<ALLOWANCE-CLOSE>                                7,616
<ALLOWANCE-DOMESTIC>                             7,616
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0