<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-30-1997 <CASH> 5,481 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 8,186 <INVESTMENTS-CARRYING> 49,981 <INVESTMENTS-MARKET> 50,047 <LOANS> 98,588 <ALLOWANCE> 1,394 <TOTAL-ASSETS> 172,195 <DEPOSITS> 153,078 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,763 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,327 <OTHER-SE> 15,027 <TOTAL-LIABILITIES-AND-EQUITY> 172,195 <INTEREST-LOAN> 2,248 <INTEREST-INVEST> 891 <INTEREST-OTHER> 65 <INTEREST-TOTAL> 3,204 <INTEREST-DEPOSIT> 1,409 <INTEREST-EXPENSE> 1,409 <INTEREST-INCOME-NET> 1,795 <LOAN-LOSSES> 25 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,110 <INCOME-PRETAX> 916 <INCOME-PRE-EXTRAORDINARY> 916 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 640 <EPS-PRIMARY> 0.69 <EPS-DILUTED> 0.69 <YIELD-ACTUAL> 7.92 <LOANS-NON> 44 <LOANS-PAST> 144 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,361 <CHARGE-OFFS> 1 <RECOVERIES> 9 <ALLOWANCE-CLOSE> 1,394 <ALLOWANCE-DOMESTIC> 1,394 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0