<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART
OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</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>                                          13,084
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,134
<INVESTMENTS-CARRYING>                          32,957
<INVESTMENTS-MARKET>                            32,924
<LOANS>                                        152,673
<ALLOWANCE>                                      1,848
<TOTAL-ASSETS>                                 235,354
<DEPOSITS>                                     209,215
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              6,144
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,180
<OTHER-SE>                                      17,815
<TOTAL-LIABILITIES-AND-EQUITY>                 235,354
<INTEREST-LOAN>                                  3,705
<INTEREST-INVEST>                                  847
<INTEREST-OTHER>                                     6
<INTEREST-TOTAL>                                 4,558
<INTEREST-DEPOSIT>                               1,792
<INTEREST-EXPENSE>                               1,843
<INTEREST-INCOME-NET>                            2,715
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,119
<INCOME-PRETAX>                                    950
<INCOME-PRE-EXTRAORDINARY>                         950
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       743
<EPS-PRIMARY>                                      .78
<EPS-DILUTED>                                      .78
<YIELD-ACTUAL>                                    5.19
<LOANS-NON>                                        208
<LOANS-PAST>                                       227
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,321
<ALLOWANCE-OPEN>                                 1,814
<CHARGE-OFFS>                                       56
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                1,848
<ALLOWANCE-DOMESTIC>                               640
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,208
        

</TABLE>