<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This Schedule contains summary financial information extracted from the
unaudited financial statements for the three month period ending March 31, 1997,
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           6,131
<INT-BEARING-DEPOSITS>                             180
<FED-FUNDS-SOLD>                                 2,675
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     78,630
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         80,063
<ALLOWANCE>                                      1,150
<TOTAL-ASSETS>                                 197,270
<DEPOSITS>                                     152,577
<SHORT-TERM>                                    24,469
<LIABILITIES-OTHER>                              1,017
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,848
<OTHER-SE>                                       2,429
<TOTAL-LIABILITIES-AND-EQUITY>                 197,270
<INTEREST-LOAN>                                  2,284
<INTEREST-INVEST>                                1,219
<INTEREST-OTHER>                                   130
<INTEREST-TOTAL>                                 3,633
<INTEREST-DEPOSIT>                               1,212
<INTEREST-EXPENSE>                               1,524
<INTEREST-INCOME-NET>                            2,109
<LOAN-LOSSES>                                       68
<SECURITIES-GAINS>                                   3
<EXPENSE-OTHER>                                  2,244
<INCOME-PRETAX>                                    529
<INCOME-PRE-EXTRAORDINARY>                         371
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       371
<EPS-PRIMARY>                                     0.14
<EPS-DILUTED>                                     0.14
<YIELD-ACTUAL>                                    4.82
<LOANS-NON>                                        550
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,119
<CHARGE-OFFS>                                       70
<RECOVERIES>                                        33
<ALLOWANCE-CLOSE>                                1,150
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>These items not required by Regulation SB.
</FN>
        

</TABLE>