<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the 
Balance Sheet, and Statement of Income, 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-END>                                   MAR-31-1997

<CASH>                                         12,378
<INT-BEARING-DEPOSITS>                            100
<FED-FUNDS-SOLD>                                9,800
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     2,596
<INVESTMENTS-CARRYING>                         12,180
<INVESTMENTS-MARKET>                           12,173
<LOANS>                                        67,006
<ALLOWANCE>                                     1,447
<TOTAL-ASSETS>                                107,357
<DEPOSITS>                                     96,577
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             1,078
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0                                   
<COMMON>                                        4,177
<OTHER-SE>                                      5,525
<TOTAL-LIABILITIES-AND-EQUITY>                107,357
<INTEREST-LOAN>                                 1,856          
<INTEREST-INVEST>                                 227
<INTEREST-OTHER>                                  112
<INTEREST-TOTAL>                                2,195
<INTEREST-DEPOSIT>                                661
<INTEREST-EXPENSE>                                661
<INTEREST-INCOME-NET>                           1,534
<LOAN-LOSSES>                                      40
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,399
<INCOME-PRETAX>                                   681
<INCOME-PRE-EXTRAORDINARY>                        681
<EXTRAORDINARY>                                     0
<CHANGES>                                           0      
<NET-INCOME>                                      392
<EPS-PRIMARY>                                    0.41
<EPS-DILUTED>                                    0.41
<YIELD-ACTUAL>                                   6.62
<LOANS-NON>                                     1,035
<LOANS-PAST>                                      312
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,447
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        7
<ALLOWANCE-CLOSE>                               1,447
<ALLOWANCE-DOMESTIC>                            1,447
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
        

</TABLE>