<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEETS AS OF MARCH 31, 1997 AND DECEMBER 31, 1996 AND CONSOLIDATED
STATEMENTS OF OPERATIONS FOR THE THREE MONTHS ENDED MARCH 31, 1997 AND 1996 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          20,886
<INT-BEARING-DEPOSITS>                           1,706
<FED-FUNDS-SOLD>                                16,015
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    105,218
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        472,877
<ALLOWANCE>                                      6,624
<TOTAL-ASSETS>                                 631,349
<DEPOSITS>                                     548,777
<SHORT-TERM>                                     7,070
<LIABILITIES-OTHER>                              6,679
<LONG-TERM>                                     17,638
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,778
<OTHER-SE>                                      16,407
<TOTAL-LIABILITIES-AND-EQUITY>                 631,349
<INTEREST-LOAN>                                 10,973
<INTEREST-INVEST>                                1,660
<INTEREST-OTHER>                                   273
<INTEREST-TOTAL>                                12,906
<INTEREST-DEPOSIT>                               5,578
<INTEREST-EXPENSE>                               5,960
<INTEREST-INCOME-NET>                            6,946
<LOAN-LOSSES>                                      369
<SECURITIES-GAINS>                                  16
<EXPENSE-OTHER>                                  4,984
<INCOME-PRETAX>                                  2,487
<INCOME-PRE-EXTRAORDINARY>                       2,487
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,615
<EPS-PRIMARY>                                     0.04
<EPS-DILUTED>                                     0.94
<YIELD-ACTUAL>                                    4.68
<LOANS-NON>                                      1,015
<LOANS-PAST>                                       995
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,374
<CHARGE-OFFS>                                      211
<RECOVERIES>                                        92
<ALLOWANCE-CLOSE>                                6,624
<ALLOWANCE-DOMESTIC>                             6,305
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            319