<TABLE> <S> <C>


<ARTICLE>                                                9
                
<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>                                               1,359
<INT-BEARING-DEPOSITS>                               3,795
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         14,604
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             57,132
<ALLOWANCE>                                            239
<TOTAL-ASSETS>                                      79,298
<DEPOSITS>                                          59,389
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    824
<LONG-TERM>                                          3,500
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             7,518
<OTHER-SE>                                           8,067
<TOTAL-LIABILITIES-AND-EQUITY>                      79,298
<INTEREST-LOAN>                                      1,197
<INTEREST-INVEST>                                      224
<INTEREST-OTHER>                                        53
<INTEREST-TOTAL>                                     1,475
<INTEREST-DEPOSIT>                                     684
<INTEREST-EXPENSE>                                     729
<INTEREST-INCOME-NET>                                  746
<LOAN-LOSSES>                                            3
<SECURITIES-GAINS>                                     (32)
<EXPENSE-OTHER>                                        316
<INCOME-PRETAX>                                        430
<INCOME-PRE-EXTRAORDINARY>                             272
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           272
<EPS-PRIMARY>                                          .22
<EPS-DILUTED>                                          .21
<YIELD-ACTUAL>                                        3.97
<LOANS-NON>                                              0
<LOANS-PAST>                                           356
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       236
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      239
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                239
        


</TABLE>