<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>                                          20,701
<INT-BEARING-DEPOSITS>                             166
<FED-FUNDS-SOLD>                                14,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,491
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        261,274
<ALLOWANCE>                                      4,240
<TOTAL-ASSETS>                                 349,061
<DEPOSITS>                                     305,852
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              6,407
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,508
<OTHER-SE>                                      34,294
<TOTAL-LIABILITIES-AND-EQUITY>                 349,061
<INTEREST-LOAN>                                  5,367
<INTEREST-INVEST>                                  525
<INTEREST-OTHER>                                   233
<INTEREST-TOTAL>                                 6,125
<INTEREST-DEPOSIT>                               1,682
<INTEREST-EXPENSE>                               1,682
<INTEREST-INCOME-NET>                            4,443
<LOAN-LOSSES>                                       50
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,906
<INCOME-PRETAX>                                  2,178
<INCOME-PRE-EXTRAORDINARY>                       2,178
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,458
<EPS-PRIMARY>                                      .63
<EPS-DILUTED>                                      .63
<YIELD-ACTUAL>                                    5.65
<LOANS-NON>                                        846
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,182
<CHARGE-OFFS>                                       54
<RECOVERIES>                                        62
<ALLOWANCE-CLOSE>                                4,240
<ALLOWANCE-DOMESTIC>                             2,562
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,678