<ARTICLE> 9
<LEGEND>
                                                         EXHIBIT-27
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED 
AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           2,325
<INT-BEARING-DEPOSITS>                             499
<FED-FUNDS-SOLD>                                   538
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,522
<INVESTMENTS-CARRYING>                           2,528
<INVESTMENTS-MARKET>                             2,505
<LOANS>                                         28,228
<ALLOWANCE>                                        288
<TOTAL-ASSETS>                                  44,133
<DEPOSITS>                                      38,965
<SHORT-TERM>                                     1,500
<LIABILITIES-OTHER>                                406
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
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<OTHER-SE>                                       2,050
<TOTAL-LIABILITIES-AND-EQUITY>                  44,133
<INTEREST-LOAN>                                    673
<INTEREST-INVEST>                                  164
<INTEREST-OTHER>                                    10
<INTEREST-TOTAL>                                   847
<INTEREST-DEPOSIT>                                 376
<INTEREST-EXPENSE>                                 381
<INTEREST-INCOME-NET>                              466
<LOAN-LOSSES>                                       28
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    395
<INCOME-PRETAX>                                    102
<INCOME-PRE-EXTRAORDINARY>                          75
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                     0.61
<EPS-DILUTED>                                     0.61
<YIELD-ACTUAL>                                    4.71
<LOANS-NON>                                         71
<LOANS-PAST>                                        32
<LOANS-TROUBLED>                                     0
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<CHARGE-OFFS>                                       30
<RECOVERIES>                                         9
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<ALLOWANCE-FOREIGN>                                  0
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