<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