<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE PRE-EFFECTIVE AMENDMENT NO. 2 TO THE FORM S-4 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1997 <PERIOD-END> MAR-31-1997 <CASH> 17,793 <INT-BEARING-DEPOSITS> 8,051 <FED-FUNDS-SOLD> 35,500 <TRADING-ASSETS> 12,519 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 9,021 <INVESTMENTS-MARKET> 8,990 <LOANS> 74,768 <ALLOWANCE> 1,801 <TOTAL-ASSETS> 157,707 <DEPOSITS> 130,808 <SHORT-TERM> 0 <LIABILITIES-OTHER> 5,384 <LONG-TERM> 10,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,565 <OTHER-SE> 2,950 <TOTAL-LIABILITIES-AND-EQUITY> 157,707 <INTEREST-LOAN> 1,872 <INTEREST-INVEST> 106 <INTEREST-OTHER> 326 <INTEREST-TOTAL> 2,304 <INTEREST-DEPOSIT> 1,317 <INTEREST-EXPENSE> 1,561 <INTEREST-INCOME-NET> 743 <LOAN-LOSSES> 500 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,492 <INCOME-PRETAX> 3,836 <INCOME-PRE-EXTRAORDINARY> 3,836 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,242 <EPS-PRIMARY> 2.09 <EPS-DILUTED> 2.09 <YIELD-ACTUAL> 2.44 <LOANS-NON> 1,738 <LOANS-PAST> 0 <LOANS-TROUBLED> 131 <LOANS-PROBLEM> 2,633 <ALLOWANCE-OPEN> 1,625 <CHARGE-OFFS> 332 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 1,801 <ALLOWANCE-DOMESTIC> 1,801 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0