<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
MARCH 31, 1997 FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          30,607
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    177,273
<INVESTMENTS-CARRYING>                         214,507
<INVESTMENTS-MARKET>                           215,205
<LOANS>                                        350,432
<ALLOWANCE>                                      4,829
<TOTAL-ASSETS>                                 608,980
<DEPOSITS>                                     446,087
<SHORT-TERM>                                    11,005
<LIABILITIES-OTHER>                              7,024
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           334
<OTHER-SE>                                      52,795
<TOTAL-LIABILITIES-AND-EQUITY>                 608,908
<INTEREST-LOAN>                                  7,790
<INTEREST-INVEST>                                3,357
<INTEREST-OTHER>                                   118
<INTEREST-TOTAL>                                11,265
<INTEREST-DEPOSIT>                               3,490
<INTEREST-EXPENSE>                               4,764
<INTEREST-INCOME-NET>                            6,501
<LOAN-LOSSES>                                      414
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,655
<INCOME-PRETAX>                                  3,729
<INCOME-PRE-EXTRAORDINARY>                       3,729
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,432
<EPS-PRIMARY>                                      .74
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                       4
<LOANS-NON>                                      1,184
<LOANS-PAST>                                        64
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,779
<CHARGE-OFFS>                                      498
<RECOVERIES>                                       134
<ALLOWANCE-CLOSE>                                4,829
<ALLOWANCE-DOMESTIC>                             4,829
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,206