<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1997 FIRST
QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<EXCHANGE-RATE>                                   1000
<CASH>                                            2855
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   850
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                       9499
<INVESTMENTS-CARRYING>                            9138
<INVESTMENTS-MARKET>                              9230
<LOANS>                                          51518
<ALLOWANCE>                                       1032
<TOTAL-ASSETS>                                   76132
<DEPOSITS>                                       62458
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                               1255
<LONG-TERM>                                       2827
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          1487
<OTHER-SE>                                        8105
<TOTAL-LIABILITIES-AND-EQUITY>                   76132
<INTEREST-LOAN>                                   1158
<INTEREST-INVEST>                                  306
<INTEREST-OTHER>                                     2
<INTEREST-TOTAL>                                  1466
<INTEREST-DEPOSIT>                                 566
<INTEREST-EXPENSE>                                 604
<INTEREST-INCOME-NET>                              862
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    587
<INCOME-PRETAX>                                    410
<INCOME-PRE-EXTRAORDINARY>                         410
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       295
<EPS-PRIMARY>                                      .99
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    5.13
<LOANS-NON>                                         70
<LOANS-PAST>                                       279
<LOANS-TROUBLED>                                    53
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1020
<CHARGE-OFFS>                                        1
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                 1032
<ALLOWANCE-DOMESTIC>                                66
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            966