<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 17,240 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,254 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 104,060 <ALLOWANCE> 1,721 <TOTAL-ASSETS> 186,704 <DEPOSITS> 163,907 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,180 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,018 <OTHER-SE> 3,599 <TOTAL-LIABILITIES-AND-EQUITY> 19,617 <INTEREST-LOAN> 3,419 <INTEREST-INVEST> 103 <INTEREST-OTHER> 100 <INTEREST-TOTAL> 3,622 <INTEREST-DEPOSIT> 885 <INTEREST-EXPENSE> 914 <INTEREST-INCOME-NET> 2,708 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,520 <INCOME-PRETAX> 1,619 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 939 <EPS-PRIMARY> .41 <EPS-DILUTED> .41 <YIELD-ACTUAL> 6.47 <LOANS-NON> 2,386 <LOANS-PAST> 2,379 <LOANS-TROUBLED> 4,114 <LOANS-PROBLEM> 5,535 <ALLOWANCE-OPEN> 1,812 <CHARGE-OFFS> 268 <RECOVERIES> 102 <ALLOWANCE-CLOSE> 1,721 <ALLOWANCE-DOMESTIC> 1,721 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0