<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           1,573
<INT-BEARING-DEPOSITS>                          25,379
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,129
<INVESTMENTS-CARRYING>                           2,907
<INVESTMENTS-MARKET>                             2,922
<LOANS>                                         16,429
<ALLOWANCE>                                        148
<TOTAL-ASSETS>                                  25,942
<DEPOSITS>                                      20,884
<SHORT-TERM>                                        28
<LIABILITIES-OTHER>                                187
<LONG-TERM>                                        921
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           223  
<OTHER-SE>                                       3,700
<TOTAL-LIABILITIES-AND-EQUITY>                  25,942
<INTEREST-LOAN>                                    365
<INTEREST-INVEST>                                  126
<INTEREST-OTHER>                                     7
<INTEREST-TOTAL>                                   498
<INTEREST-DEPOSIT>                                 252
<INTEREST-EXPENSE>                                 270
<INTEREST-INCOME-NET>                              228
<LOAN-LOSSES>                                        6
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    144
<INCOME-PRETAX>                                     92
<INCOME-PRE-EXTRAORDINARY>                          92
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        62
<EPS-PRIMARY>                                     0.28
<EPS-DILUTED>                                     0.28
<YIELD-ACTUAL>                                    7.98
<LOANS-NON>                                          0
<LOANS-PAST>                                       155
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   141
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  147
<ALLOWANCE-DOMESTIC>                                97
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             50