<TABLE> <S> <C>

<ARTICLE>                                   9
<MULTIPLIER>                            1,000
       
<S>                                  <C>
<PERIOD-TYPE>                        3-MOS
<FISCAL-YEAR-END>                                               DEC-31-1997
<PERIOD-END>                                                    MAR-31-1997
<CASH>                                                               20,960
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                         128,286
<INVESTMENTS-CARRYING>                                              112,914
<INVESTMENTS-MARKET>                                                114,875
<LOANS>                                                             309,812
<ALLOWANCE>                                                               0
<TOTAL-ASSETS>                                                      594,523
<DEPOSITS>                                                          508,719
<SHORT-TERM>                                                         22,672
<LIABILITIES-OTHER>                                                   7,047
<LONG-TERM>                                                           7,235
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                              9,677
<OTHER-SE>                                                           39,173
<TOTAL-LIABILITIES-AND-EQUITY>                                      594,523
<INTEREST-LOAN>                                                       7,407
<INTEREST-INVEST>                                                     4,123
<INTEREST-OTHER>                                                         91
<INTEREST-TOTAL>                                                     11,621
<INTEREST-DEPOSIT>                                                    4,966
<INTEREST-EXPENSE>                                                    5,273
<INTEREST-INCOME-NET>                                                 6,348
<LOAN-LOSSES>                                                           125
<SECURITIES-GAINS>                                                      261
<EXPENSE-OTHER>                                                       4,584
<INCOME-PRETAX>                                                       2,597
<INCOME-PRE-EXTRAORDINARY>                                            2,597
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          1,818
<EPS-PRIMARY>                                                          0.47
<EPS-DILUTED>                                                             0
<YIELD-ACTUAL>                                                            0
<LOANS-NON>                                                               0
<LOANS-PAST>                                                              0
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                          0
<CHARGE-OFFS>                                                             0
<RECOVERIES>                                                              0
<ALLOWANCE-CLOSE>                                                         0
<ALLOWANCE-DOMESTIC>                                                      0
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0
                                                                           

</TABLE>