<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at March 31, 1997,  (unaudited) and the Consolidated
Statement of Income for the three months ended March 31, 1997 (unaudited) and is
qualified in its entirety by reference to such financial statements.

</LEGEND>
<MULTIPLIER>                       1,000
       
<S>                                <C>
<PERIOD-TYPE>                      3-MOS
<FISCAL-YEAR-END>                                     DEC-31-1997
<PERIOD-END>                                          MAR-31-1997
<CASH>                                                      4,526
<INT-BEARING-DEPOSITS>                                      1,230
<FED-FUNDS-SOLD>                                            3,355
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                10,617
<INVESTMENTS-CARRYING>                                     14,018
<INVESTMENTS-MARKET>                                       14,018
<LOANS>                                                    75,395
<ALLOWANCE>                                                   936
<TOTAL-ASSETS>                                            112,591
<DEPOSITS>                                                 97,392
<SHORT-TERM>                                                1,340
<LIABILITIES-OTHER>                                           628
<LONG-TERM>                                                 1,130
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                    9,061
<OTHER-SE>                                                  3,040
<TOTAL-LIABILITIES-AND-EQUITY>                            112,591
<INTEREST-LOAN>                                             1,663
<INTEREST-INVEST>                                             389
<INTEREST-OTHER>                                               46
<INTEREST-TOTAL>                                            2,098
<INTEREST-DEPOSIT>                                            877
<INTEREST-EXPENSE>                                            914
<INTEREST-INCOME-NET>                                       1,184
<LOAN-LOSSES>                                                  84
<SECURITIES-GAINS>                                              0
<EXPENSE-OTHER>                                               920
<INCOME-PRETAX>                                               353
<INCOME-PRE-EXTRAORDINARY>                                    353
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                  233
<EPS-PRIMARY>                                                0.18
<EPS-DILUTED>                                                0.18
<YIELD-ACTUAL>                                               4.68
<LOANS-NON>                                                   417
<LOANS-PAST>                                                  106
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                               523
<ALLOWANCE-OPEN>                                              876
<CHARGE-OFFS>                                                  29
<RECOVERIES>                                                    5
<ALLOWANCE-CLOSE>                                             936
<ALLOWANCE-DOMESTIC>                                          936
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0
        

</TABLE>