<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> MAR-31-1997 <CASH> 6,551 <INT-BEARING-DEPOSITS> 824 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 50,288 <INVESTMENTS-CARRYING> 8,806 <INVESTMENTS-MARKET> 8,879 <LOANS> 179,039 <ALLOWANCE> 2,740 <TOTAL-ASSETS> 258,432 <DEPOSITS> 218,847 <SHORT-TERM> 11,324 <LIABILITIES-OTHER> 4,225 <LONG-TERM> 2,445 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 90 <OTHER-SE> 21,501 <TOTAL-LIABILITIES-AND-EQUITY> 258,432 <INTEREST-LOAN> 3,871 <INTEREST-INVEST> 924 <INTEREST-OTHER> 45 <INTEREST-TOTAL> 4,840 <INTEREST-DEPOSIT> 2,059 <INTEREST-EXPENSE> 2,164 <INTEREST-INCOME-NET> 2,676 <LOAN-LOSSES> 250 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,968 <INCOME-PRETAX> 733 <INCOME-PRE-EXTRAORDINARY> 733 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 557 <EPS-PRIMARY> .67 <EPS-DILUTED> 0 <YIELD-ACTUAL> 8.29 <LOANS-NON> 3,009 <LOANS-PAST> 29 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,615 <CHARGE-OFFS> 148 <RECOVERIES> 23 <ALLOWANCE-CLOSE> 2,740 <ALLOWANCE-DOMESTIC> 2,740 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0