<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 12,409 <INT-BEARING-DEPOSITS> 14 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 62,176 <INVESTMENTS-CARRYING> 16,390 <INVESTMENTS-MARKET> 16,643 <LOANS> 235,152 <ALLOWANCE> 2,551 <TOTAL-ASSETS> 340,472 <DEPOSITS> 291,873 <SHORT-TERM> 5,742 <LIABILITIES-OTHER> 3,035 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,912 <OTHER-SE> 32,910 <TOTAL-LIABILITIES-AND-EQUITY> 340,472 <INTEREST-LOAN> 4,908 <INTEREST-INVEST> 1,171 <INTEREST-OTHER> 16 <INTEREST-TOTAL> 6,095 <INTEREST-DEPOSIT> 2,589 <INTEREST-EXPENSE> 126 <INTEREST-INCOME-NET> 3,380 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 78 <EXPENSE-OTHER> 2,642 <INCOME-PRETAX> 1,173 <INCOME-PRE-EXTRAORDINARY> 1,173 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 869 <EPS-PRIMARY> .50 <EPS-DILUTED> .50 <YIELD-ACTUAL> 8.23 <LOANS-NON> 288 <LOANS-PAST> 2,351 <LOANS-TROUBLED> 640 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,473 <CHARGE-OFFS> 105 <RECOVERIES> 33 <ALLOWANCE-CLOSE> 2,551 <ALLOWANCE-DOMESTIC> 2,551 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0