<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                                                         <C>
<PERIOD-TYPE>                                                 3-MOS
<FISCAL-YEAR-END>                                             DEC-31-1997
<PERIOD-END>                                                  MAR-31-1997
<CASH>                                                         11,086,000
<INT-BEARING-DEPOSITS>                                        108,787,000
<FED-FUNDS-SOLD>                                                        0
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                    40,937,000
<INVESTMENTS-CARRYING>                                         70,665,000
<INVESTMENTS-MARKET>                                           70,543,000
<LOANS>                                                       101,697,000
<ALLOWANCE>                                                    (1,817,000)
<TOTAL-ASSETS>                                                188,739,000
<DEPOSITS>                                                    157,731,000
<SHORT-TERM>                                                      500,000
<LIABILITIES-OTHER>                                               821,000
<LONG-TERM>                                                    13,500,000
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                        9,459,000
<OTHER-SE>                                                      6,692,000
<TOTAL-LIABILITIES-AND-EQUITY>                                188,739,000
<INTEREST-LOAN>                                                 2,495,000
<INTEREST-INVEST>                                               1,125,000
<INTEREST-OTHER>                                                        0
<INTEREST-TOTAL>                                                3,620,000
<INTEREST-DEPOSIT>                                               946,000
<INTEREST-EXPENSE>                                              1,180,000
<INTEREST-INCOME-NET>                                           2,440,000
<LOAN-LOSSES>                                                      60,000
<SECURITIES-GAINS>                                                 (3,000)
<EXPENSE-OTHER>                                                 1,994,000
<INCOME-PRETAX>                                                   579,000
<INCOME-PRE-EXTRAORDINARY>                                        579,000
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                      444,000
<EPS-PRIMARY>                                                         .36
<EPS-DILUTED>                                                         .36
<YIELD-ACTUAL>                                                       8.79
<LOANS-NON>                                                       105,000
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                1,754,000
<CHARGE-OFFS>                                                           0
<RECOVERIES>                                                        3,000
<ALLOWANCE-CLOSE>                                               1,817,000
<ALLOWANCE-DOMESTIC>                                            1,817,000
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0
        

</TABLE>