<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                               2,296
<INT-BEARING-DEPOSITS>                                 708
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          9,160
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             71,164
<ALLOWANCE>                                            564
<TOTAL-ASSETS>                                      86,940
<DEPOSITS>                                          72,193
<SHORT-TERM>                                         1,999
<LIABILITIES-OTHER>                                    303
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                87
<OTHER-SE>                                          12,358
<TOTAL-LIABILITIES-AND-EQUITY>                      86,940
<INTEREST-LOAN>                                      1,385
<INTEREST-INVEST>                                      145
<INTEREST-OTHER>                                        50
<INTEREST-TOTAL>                                     1,580
<INTEREST-DEPOSIT>                                     732
<INTEREST-EXPENSE>                                     775
<INTEREST-INCOME-NET>                                  805
<LOAN-LOSSES>                                           19
<SECURITIES-GAINS>                                     177
<EXPENSE-OTHER>                                      1,177
<INCOME-PRETAX>                                         49
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                            31
<EPS-PRIMARY>                                          .04
<EPS-DILUTED>                                            0
<YIELD-ACTUAL>                                        7.38
<LOANS-NON>                                            297
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      1,215
<ALLOWANCE-OPEN>                                       547
<CHARGE-OFFS>                                            2
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      564
<ALLOWANCE-DOMESTIC>                                   564
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>