<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>                                          17,583
<INT-BEARING-DEPOSITS>                           8,000
<FED-FUNDS-SOLD>                                25,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     50,406
<INVESTMENTS-CARRYING>                         111,491
<INVESTMENTS-MARKET>                           110,551
<LOANS>                                        208,153
<ALLOWANCE>                                      4,731
<TOTAL-ASSETS>                                 440,380
<DEPOSITS>                                     182,796
<SHORT-TERM>                                     3,261
<LIABILITIES-OTHER>                              6,824
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      46,419
<TOTAL-LIABILITIES-AND-EQUITY>                 440,380
<INTEREST-LOAN>                                  4,220
<INTEREST-INVEST>                                2,404
<INTEREST-OTHER>                                   427
<INTEREST-TOTAL>                                 7,051
<INTEREST-DEPOSIT>                               1,003
<INTEREST-EXPENSE>                               1,028
<INTEREST-INCOME-NET>                            6,023
<LOAN-LOSSES>                                      245
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,747
<INCOME-PRETAX>                                  2,175
<INCOME-PRE-EXTRAORDINARY>                       2,175
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,423
<EPS-PRIMARY>                                      .36
<EPS-DILUTED>                                      .36
<YIELD-ACTUAL>                                    6.23
<LOANS-NON>                                        294
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 4,396
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        90
<ALLOWANCE-CLOSE>                                4,731
<ALLOWANCE-DOMESTIC>                             4,731
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Amount available at year end only.