<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> 35,906 <INT-BEARING-DEPOSITS> 1,878 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 125,147 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 619,807 <ALLOWANCE> 6,798 <TOTAL-ASSETS> 809,594 <DEPOSITS> 709,305 <SHORT-TERM> 12,120 <LIABILITIES-OTHER> 8,448 <LONG-TERM> 2,214 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21,008 <OTHER-SE> 55,659 <TOTAL-LIABILITIES-AND-EQUITY> 809,594 <INTEREST-LOAN> 13,096 <INTEREST-INVEST> 2,037 <INTEREST-OTHER> 22 <INTEREST-TOTAL> 15,155 <INTEREST-DEPOSIT> 6,427 <INTEREST-EXPENSE> 287 <INTEREST-INCOME-NET> 8,841 <LOAN-LOSSES> 1,065 <SECURITIES-GAINS> (10) <EXPENSE-OTHER> 6,585 <INCOME-PRETAX> 2,463 <INCOME-PRE-EXTRAORDINARY> 2,463 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,681 <EPS-PRIMARY> .60 <EPS-DILUTED> .60 <YIELD-ACTUAL> 4.62 <LOANS-NON> 1,182 <LOANS-PAST> 1,178 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,565 <ALLOWANCE-OPEN> 6,168 <CHARGE-OFFS> 757 <RECOVERIES> 322 <ALLOWANCE-CLOSE> 6,798 <ALLOWANCE-DOMESTIC> 5,255 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,543