<TABLE> <S> <C>

<ARTICLE>  9
<LEGEND>
This schedule contains Summary Financial Information extracted from Form 10-Q 
dated 3/31/97 and is qualified in its entirety by reference to such Form 10-Q.
</LEGEND>
<MULTIPLIER>                                             1,000

<PERIOD-TYPE>                                            3-MOS
<FISCAL-YEAR-END>                                  DEC-31-1997
<PERIOD-END>                                       MAR-31-1997
<CASH>                                                  18,134
<INT-BEARING-DEPOSITS>                                       0
<FED-FUNDS-SOLD>                                             0
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             43,548
<INVESTMENTS-CARRYING>                                  20,563
<INVESTMENTS-MARKET>                                    20,328
<LOANS>                                                239,125
<ALLOWANCE>                                              4,698
<TOTAL-ASSETS>                                         334,035
<DEPOSITS>                                             289,498
<SHORT-TERM>                                             9,943
<LIABILITIES-OTHER>                                      1,031
<LONG-TERM>                                              7,526
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                  0
<COMMON>                                                    37
<OTHER-SE>                                              25,727
<TOTAL-LIABILITIES-AND-EQUITY>                         334,035
<INTEREST-LOAN>                                          5,029
<INTEREST-INVEST>                                          965
<INTEREST-OTHER>                                            64
<INTEREST-TOTAL>                                         6,059
<INTEREST-DEPOSIT>                                       2,445
<INTEREST-EXPENSE>                                       2,686
<INTEREST-INCOME-NET>                                    3,373
<LOAN-LOSSES>                                              326
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                         3,038
<INCOME-PRETAX>                                            807
<INCOME-PRE-EXTRAORDINARY>                                 807
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                               484
<EPS-PRIMARY>                                                0
<EPS-DILUTED>                                             0.13
<YIELD-ACTUAL>                                            0.13
<LOANS-NON>                                              3,062
<LOANS-PAST>                                               142
<LOANS-TROUBLED>                                          2,937
<LOANS-PROBLEM>                                            701
<ALLOWANCE-OPEN>                                         4,696
<CHARGE-OFFS>                                              371
<RECOVERIES>                                                47
<ALLOWANCE-CLOSE>                                        4,698
<ALLOWANCE-DOMESTIC>                                     4,698
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0


</TABLE>