<ARTICLE>  9
       
                                            
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                                                             DEC-31-1997
<PERIOD-END>                                                                  MAR-31-1997
<CASH>                                                                                   5,998
<INT-BEARING-DEPOSITS>                                                                     230
<FED-FUNDS-SOLD>                                                                         5,019
<TRADING-ASSETS>                                                                         3,579
<INVESTMENTS-HELD-FOR-SALE>                                                             14,411
<INVESTMENTS-CARRYING>                                                                   2,408
<INVESTMENTS-MARKET>                                                                     2,522
<LOANS>                                                                                 97,991
<ALLOWANCE>                                                                             (1,366)
<TOTAL-ASSETS>                                                                         136,730
<DEPOSITS>                                                                              92,403
<SHORT-TERM>                                                                            22,335
<LIABILITIES-OTHER>                                                                      3,290
<LONG-TERM>                                                                              7,604
<PREFERRED-MANDATORY>                                                                        0
<PREFERRED>                                                                                  0
<COMMON>                                                                                   933
<OTHER-SE>                                                                               8,541
<TOTAL-LIABILITIES-AND-EQUITY>                                                         136,730
<INTEREST-LOAN>                                                                          2,019
<INTEREST-INVEST>                                                                          275
<INTEREST-OTHER>                                                                            75
<INTEREST-TOTAL>                                                                         2,418
<INTEREST-DEPOSIT>                                                                         743
<INTEREST-EXPENSE>                                                                       1,131
<INTEREST-INCOME-NET>                                                                    1,287
<LOAN-LOSSES>                                                                              145
<SECURITIES-GAINS>                                                                           4
<EXPENSE-OTHER>                                                                          1,169
<INCOME-PRETAX>                                                                            726
<INCOME-PRE-EXTRAORDINARY>                                                                 726
<EXTRAORDINARY>                                                                              0
<CHANGES>                                                                                    0
<NET-INCOME>                                                                               471
<EPS-PRIMARY>                                                                                1.67
<EPS-DILUTED>                                                                                1.67
<YIELD-ACTUAL>                                                                               4.37
<LOANS-NON>                                                                                674
<LOANS-PAST>                                                                               283
<LOANS-TROUBLED>                                                                            11
<LOANS-PROBLEM>                                                                              0
<ALLOWANCE-OPEN>                                                                         1,365
<CHARGE-OFFS>                                                                              169
<RECOVERIES>                                                                                25
<ALLOWANCE-CLOSE>                                                                        1,366
<ALLOWANCE-DOMESTIC>                                                                       927
<ALLOWANCE-FOREIGN>                                                                          5
<ALLOWANCE-UNALLOCATED>                                                                    434