<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 30,277 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 52,385 <TRADING-ASSETS> 3,399 <INVESTMENTS-HELD-FOR-SALE> 90,334 <INVESTMENTS-CARRYING> 68,672 <INVESTMENTS-MARKET> 67,919 <LOANS> 616,132 <ALLOWANCE> 9,459 <TOTAL-ASSETS> 905,000 <DEPOSITS> 715,280 <SHORT-TERM> 104,959 <LIABILITIES-OTHER> 16,758 <LONG-TERM> 294 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,525 <OTHER-SE> 61,184 <TOTAL-LIABILITIES-AND-EQUITY> 905,000 <INTEREST-LOAN> 13,770 <INTEREST-INVEST> 2,436 <INTEREST-OTHER> 601 <INTEREST-TOTAL> 16,807 <INTEREST-DEPOSIT> 6,695 <INTEREST-EXPENSE> 8,017 <INTEREST-INCOME-NET> 8,790 <LOAN-LOSSES> 25 <SECURITIES-GAINS> 4 <EXPENSE-OTHER> 8,903 <INCOME-PRETAX> 3,908 <INCOME-PRE-EXTRAORDINARY> 2,615 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,615 <EPS-PRIMARY> .39 <EPS-DILUTED> .39 <YIELD-ACTUAL> 8.42 <LOANS-NON> 945 <LOANS-PAST> 0 <LOANS-TROUBLED> 516 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9,322 <CHARGE-OFFS> 209 <RECOVERIES> 321 <ALLOWANCE-CLOSE> 9,459 <ALLOWANCE-DOMESTIC> 9,459 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0