<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED STATEMENTS OF INCOME AND CONSOLIDATED BALANCE SHEETS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1997
<EXCHANGE-RATE>                                      1
<CASH>                                          26,873
<INT-BEARING-DEPOSITS>                         225,410
<FED-FUNDS-SOLD>                                25,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     32,165
<INVESTMENTS-CARRYING>                         144,789
<INVESTMENTS-MARKET>                           144,006
<LOANS>                                        136,282
<ALLOWANCE>                                      2,420
<TOTAL-ASSETS>                                 376,351
<DEPOSITS>                                     336,396
<SHORT-TERM>                                     3,531
<LIABILITIES-OTHER>                              2,338
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,037
<OTHER-SE>                                      25,814
<TOTAL-LIABILITIES-AND-EQUITY>                 376,351
<INTEREST-LOAN>                                  3,474
<INTEREST-INVEST>                                2,677
<INTEREST-OTHER>                                   381
<INTEREST-TOTAL>                                 6,532
<INTEREST-DEPOSIT>                               2,130
<INTEREST-EXPENSE>                               2,175
<INTEREST-INCOME-NET>                            4,262
<LOAN-LOSSES>                                       95
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,043
<INCOME-PRETAX>                                  1,278
<INCOME-PRE-EXTRAORDINARY>                       1,278
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       810
<EPS-PRIMARY>                                     0.23
<EPS-DILUTED>                                     0.23
<YIELD-ACTUAL>                                    7.72
<LOANS-NON>                                      1,139
<LOANS-PAST>                                       156
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,448
<CHARGE-OFFS>                                      174
<RECOVERIES>                                        51
<ALLOWANCE-CLOSE>                                2,420
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,420
        

</TABLE>