<ARTICLE> 9 <LEGEND> FORM 10QSB Condensed Consolidated Balance Sheet & Condensed Statements of Income </LEGEND> <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> JAN-01-1997 <CASH> 10349 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4325 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 50757 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 115781 <ALLOWANCE> 1137 <TOTAL-ASSETS> 190372 <DEPOSITS> 169712 <SHORT-TERM> 322 <LIABILITIES-OTHER> 500 <LONG-TERM> 6325 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11199 <OTHER-SE> 2314 <TOTAL-LIABILITIES-AND-EQUITY> 190372 <INTEREST-LOAN> 2638 <INTEREST-INVEST> 809 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 3447 <INTEREST-DEPOSIT> 1401 <INTEREST-EXPENSE> 1538 <INTEREST-INCOME-NET> 1909 <LOAN-LOSSES> 89 <SECURITIES-GAINS> 42 <EXPENSE-OTHER> 1592 <INCOME-PRETAX> 568 <INCOME-PRE-EXTRAORDINARY> 568 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 364 <EPS-PRIMARY> .35 <EPS-DILUTED> .30 <YIELD-ACTUAL> 8.30 <LOANS-NON> 1226 <LOANS-PAST> 15 <LOANS-TROUBLED> 1696 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1101 <CHARGE-OFFS> 60 <RECOVERIES> 7 <ALLOWANCE-CLOSE> 0 <ALLOWANCE-DOMESTIC> 1116 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 21