<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          15,118
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                12,150
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     60,557
<INVESTMENTS-CARRYING>                          72,784
<INVESTMENTS-MARKET>                            72,411
<LOANS>                                        196,682
<ALLOWANCE>                                      2,534
<TOTAL-ASSETS>                                 367,670
<DEPOSITS>                                     295,027
<SHORT-TERM>                                    34,885
<LIABILITIES-OTHER>                              2,300
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,791
<OTHER-SE>                                      30,667
<TOTAL-LIABILITIES-AND-EQUITY>                 367,670
<INTEREST-LOAN>                                  4,509
<INTEREST-INVEST>                                1,937
<INTEREST-OTHER>                                   129
<INTEREST-TOTAL>                                 6,575
<INTEREST-DEPOSIT>                               2,366
<INTEREST-EXPENSE>                               2,798
<INTEREST-INCOME-NET>                            3,777
<LOAN-LOSSES>                                      240
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,541
<INCOME-PRETAX>                                  1,716
<INCOME-PRE-EXTRAORDINARY>                       1,113
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,113
<EPS-PRIMARY>                                     2.33<F1>
<EPS-DILUTED>                                     2.33<F1>
<YIELD-ACTUAL>                                    4.62<F1>
<LOANS-NON>                                        147
<LOANS-PAST>                                        52
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,161<F2>
<ALLOWANCE-OPEN>                                 2,370
<CHARGE-OFFS>                                      109
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                2,534
<ALLOWANCE-DOMESTIC>                             2,534
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER IS NOT APPLICABLE TO EPS FIGURES OR YIELDS.
<F2>INCLUDES NON-ACCRUAL LOANS OF $147 AND CONFEDERATED LIFE CLASSIFIED ASSET
$2,014.
</FN>
        

</TABLE>