<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           3,442
<INT-BEARING-DEPOSITS>                           2,273
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     51,479
<INVESTMENTS-CARRYING>                          26,915
<INVESTMENTS-MARKET>                            26,062
<LOANS>                                        383,471
<ALLOWANCE>                                      5,872
<TOTAL-ASSETS>                                 494,557
<DEPOSITS>                                     349,550
<SHORT-TERM>                                    27,375
<LIABILITIES-OTHER>                              9,612
<LONG-TERM>                                     29,175
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            36
<OTHER-SE>                                      78,809
<TOTAL-LIABILITIES-AND-EQUITY>                 494,557
<INTEREST-LOAN>                                  8,396
<INTEREST-INVEST>                                1,360
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 9,756
<INTEREST-DEPOSIT>                               4,353
<INTEREST-EXPENSE>                               5,231
<INTEREST-INCOME-NET>                            4,525
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                  31
<EXPENSE-OTHER>                                  2,748
<INCOME-PRETAX>                                  2,592
<INCOME-PRE-EXTRAORDINARY>                       2,592
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,771
<EPS-PRIMARY>                                      .72
<EPS-DILUTED>                                      .72
<YIELD-ACTUAL>                                    3.87
<LOANS-NON>                                      4,903
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,220
<CHARGE-OFFS>                                        2
<RECOVERIES>                                        44
<ALLOWANCE-CLOSE>                                5,462
<ALLOWANCE-DOMESTIC>                             5,462
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0