<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q. </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> 13,084 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 22,134 <INVESTMENTS-CARRYING> 32,957 <INVESTMENTS-MARKET> 32,924 <LOANS> 152,673 <ALLOWANCE> 1,848 <TOTAL-ASSETS> 235,354 <DEPOSITS> 209,215 <SHORT-TERM> 0 <LIABILITIES-OTHER> 6,144 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,180 <OTHER-SE> 17,815 <TOTAL-LIABILITIES-AND-EQUITY> 235,354 <INTEREST-LOAN> 3,705 <INTEREST-INVEST> 847 <INTEREST-OTHER> 6 <INTEREST-TOTAL> 4,558 <INTEREST-DEPOSIT> 1,792 <INTEREST-EXPENSE> 1,843 <INTEREST-INCOME-NET> 2,715 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,119 <INCOME-PRETAX> 950 <INCOME-PRE-EXTRAORDINARY> 950 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 743 <EPS-PRIMARY> .78 <EPS-DILUTED> .78 <YIELD-ACTUAL> 5.19 <LOANS-NON> 208 <LOANS-PAST> 227 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,321 <ALLOWANCE-OPEN> 1,814 <CHARGE-OFFS> 56 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1,848 <ALLOWANCE-DOMESTIC> 640 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,208