<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q AND IS 
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           2,254
<INT-BEARING-DEPOSITS>                          13,098
<FED-FUNDS-SOLD>                                27,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     85,546
<INVESTMENTS-CARRYING>                          14,966
<INVESTMENTS-MARKET>                            15,233
<LOANS>                                        552,289
<ALLOWANCE>                                        685
<TOTAL-ASSETS>                                 709,011
<DEPOSITS>                                     497,199
<SHORT-TERM>                                    20,000
<LIABILITIES-OTHER>                             19,517
<LONG-TERM>                                    100,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            86
<OTHER-SE>                                      72,209
<TOTAL-LIABILITIES-AND-EQUITY>                 709,011
<INTEREST-LOAN>                                  9,983
<INTEREST-INVEST>                                2,090
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                12,073
<INTEREST-DEPOSIT>                               6,422
<INTEREST-EXPENSE>                               1,217
<INTEREST-INCOME-NET>                            4,434
<LOAN-LOSSES>                                       20
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,172
<INCOME-PRETAX>                                  3,372
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,996
<EPS-PRIMARY>                                      .29
<EPS-DILUTED>                                      .28
<YIELD-ACTUAL>                                    2.56
<LOANS-NON>                                        412
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   655
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  685
<ALLOWANCE-DOMESTIC>                               685
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            685