<ARTICLE>                9
<MULTIPLIER>             1,000

       
                                 
<FISCAL-YEAR-END>                   DEC-31-1997
<PERIOD-END>                        MAR-31-1997
<PERIOD-TYPE>                             3-MOS
<CASH>                                   37,109
<INT-BEARING-DEPOSITS>                        0
<FED-FUNDS-SOLD>                         10,800
<TRADING-ASSETS>                              0
<INVESTMENTS-HELD-FOR-SALE>             172,300
<INVESTMENTS-CARRYING>                   51,347
<INVESTMENTS-MARKET>                     51,680
<LOANS>                                 560,492
<ALLOWANCE>                               6,329
<TOTAL-ASSETS>                          866,924
<DEPOSITS>                              769,249
<SHORT-TERM>                              6,500
<LIABILITIES-OTHER>                       6,616
<LONG-TERM>                              10,000
<PREFERRED-MANDATORY>                         0
<PREFERRED>                                   0
<COMMON>                                  6,291
<OTHER-SE>                               68,268
<TOTAL-LIABILITIES-AND-EQUITY>          866,924
<INTEREST-LOAN>                          12,008
<INTEREST-INVEST>                         3,169
<INTEREST-OTHER>                            100
<INTEREST-TOTAL>                         15,277
<INTEREST-DEPOSIT>                        7,150
<INTEREST-EXPENSE>                        7,383
<INTEREST-INCOME-NET>                     7,894
<LOAN-LOSSES>                               200
<SECURITIES-GAINS>                           99
<EXPENSE-OTHER>                           6,742
<INCOME-PRETAX>                           3,408
<INCOME-PRE-EXTRAORDINARY>                2,408
<EXTRAORDINARY>                               0
<CHANGES>                                     0
<NET-INCOME>                              2,408
<EPS-PRIMARY>                              0.34
<EPS-DILUTED>                              0.34
<YIELD-ACTUAL>                             7.99
<LOANS-NON>                                   0
<LOANS-PAST>                              1,291
<LOANS-TROUBLED>                              0
<LOANS-PROBLEM>                             875
<ALLOWANCE-OPEN>                          6,131
<CHARGE-OFFS>                                66
<RECOVERIES>                                 64
<ALLOWANCE-CLOSE>                         6,329
<ALLOWANCE-DOMESTIC>                          0
<ALLOWANCE-FOREIGN>                           0
<ALLOWANCE-UNALLOCATED>                   1,075