<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   MAR-31-1997
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<FED-FUNDS-SOLD>                                        0   
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<INVESTMENTS-MARKET>                                3,205   
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<ALLOWANCE>                                           854   
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<SHORT-TERM>                                        8,140   
<LIABILITIES-OTHER>                                   589   
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<OTHER-SE>                                         10,786   
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<INTEREST-OTHER>                                        0   
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<INTEREST-EXPENSE>                                  1,408   
<INTEREST-INCOME-NET>                                 778   
<LOAN-LOSSES>                                           0   
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<INCOME-PRETAX>                                       210   
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<EXTRAORDINARY>                                         0   
<CHANGES>                                               0   
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<EPS-PRIMARY>                                         .10   
<EPS-DILUTED>                                         .10   
<YIELD-ACTUAL>                                       8.07   
<LOANS-NON>                                           835   
<LOANS-PAST>                                            0   
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<ALLOWANCE-OPEN>                                      869   
<CHARGE-OFFS>                                          12   
<RECOVERIES>                                            0   
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<ALLOWANCE-DOMESTIC>                                  156   
<ALLOWANCE-FOREIGN>                                     0   
<ALLOWANCE-UNALLOCATED>                               698