<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE FISCAL QUARTER ENDED MARCH 31, 1997 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-END>                               MAR-31-1997
<CASH>                                             535
<INT-BEARING-DEPOSITS>                           1,167
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,359
<INVESTMENTS-CARRYING>                          21,537
<INVESTMENTS-MARKET>                            21,441
<LOANS>                                         82,603
<ALLOWANCE>                                        698
<TOTAL-ASSETS>                                 139,006
<DEPOSITS>                                     104,444
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                                920
<LONG-TERM>                                     21,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,642
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 139,006
<INTEREST-LOAN>                                  1,659
<INTEREST-INVEST>                                  885
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,544
<INTEREST-DEPOSIT>                               1,216
<INTEREST-EXPENSE>                               1,568
<INTEREST-INCOME-NET>                              976
<LOAN-LOSSES>                                       12
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    659
<INCOME-PRETAX>                                    392
<INCOME-PRE-EXTRAORDINARY>                         392
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       247
<EPS-PRIMARY>                                     0.67
<EPS-DILUTED>                                     0.66
<YIELD-ACTUAL>                                    2.87
<LOANS-NON>                                      1,139
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   686
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  698
<ALLOWANCE-DOMESTIC>                               544
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            154