<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 10,861 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 79,413 <INVESTMENTS-CARRYING> 11,386 <INVESTMENTS-MARKET> 11,728 <LOANS> 267,266 <ALLOWANCE> 3,038 <TOTAL-ASSETS> 390,721 <DEPOSITS> 316,087 <SHORT-TERM> 30,506 <LIABILITIES-OTHER> 4,376 <LONG-TERM> 370 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,302 <OTHER-SE> 27,080 <TOTAL-LIABILITIES-AND-EQUITY> 390,721 <INTEREST-LOAN> 6,130 <INTEREST-INVEST> 1,473 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 7,603 <INTEREST-DEPOSIT> 2,992 <INTEREST-EXPENSE> 3,400 <INTEREST-INCOME-NET> 4,203 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 20 <EXPENSE-OTHER> 3,143 <INCOME-PRETAX> 1,685 <INCOME-PRE-EXTRAORDINARY> 1,685 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,197 <EPS-PRIMARY> .49 <EPS-DILUTED> .49 <YIELD-ACTUAL> 8.79 <LOANS-NON> 546 <LOANS-PAST> 0 <LOANS-TROUBLED> 2,824 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,893 <CHARGE-OFFS> 16 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 3,038 <ALLOWANCE-DOMESTIC> 3,038 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0