<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF INCOME AND CONSOLIDATED BALANCE SHEETS FOUND ON
PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE 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-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           7,636
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     99,032
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        238,300
<ALLOWANCE>                                      3,794
<TOTAL-ASSETS>                                 352,668
<DEPOSITS>                                     317,804
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,111
<LONG-TERM>                                         46
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           726
<OTHER-SE>                                      30,982
<TOTAL-LIABILITIES-AND-EQUITY>                 352,668
<INTEREST-LOAN>                                  4,904
<INTEREST-INVEST>                                1,363
<INTEREST-OTHER>                                    35
<INTEREST-TOTAL>                                 6,302
<INTEREST-DEPOSIT>                               3,433
<INTEREST-EXPENSE>                               3,435
<INTEREST-INCOME-NET>                            2,867
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,883
<INCOME-PRETAX>                                  1,322
<INCOME-PRE-EXTRAORDINARY>                       1,322
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,058
<EPS-PRIMARY>                                     0.48
<EPS-DILUTED>                                     0.48
<YIELD-ACTUAL>                                    7.92
<LOANS-NON>                                      1,271
<LOANS-PAST>                                     1,891
<LOANS-TROUBLED>                                   220
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,944
<CHARGE-OFFS>                                      241
<RECOVERIES>                                        16
<ALLOWANCE-CLOSE>                                3,794
<ALLOWANCE-DOMESTIC>                             3,794
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>