<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
       THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
 THE REGISTRANTS INTERIM FINANCIAL STATEMENTS AT AND FOR THE PERIOD ENDED MARCH
             31, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
                          TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                     1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          18,009
<INT-BEARING-DEPOSITS>                           6,500
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,175
<INVESTMENTS-CARRYING>                          81,944
<INVESTMENTS-MARKET>                            81,944
<LOANS>                                        121,908
<ALLOWANCE>                                      3,005 
<TOTAL-ASSETS>                                 252,294
<DEPOSITS>                                     208,745
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                212
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,621
<OTHER-SE>                                      10,864
<TOTAL-LIABILITIES-AND-EQUITY>                 252,294
<INTEREST-LOAN>                                  2,605
<INTEREST-INVEST>                                1,861
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 4,422
<INTEREST-DEPOSIT>                               2,213
<INTEREST-EXPENSE>                               2,213
<INTEREST-INCOME-NET>                            2,034
<LOAN-LOSSES>                                      175
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,308
<INCOME-PRETAX>                                    793
<INCOME-PRE-EXTRAORDINARY>                         793
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       504
<EPS-PRIMARY>                                      .18
<EPS-DILUTED>                                      .18
<YIELD-ACTUAL>                                    7.47
<LOANS-NON>                                      1,631
<LOANS-PAST>                                     1,631
<LOANS-TROUBLED>                                 1,273
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,126
<CHARGE-OFFS>                                      285
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                3,005
<ALLOWANCE-DOMESTIC>                             3,005
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        



</TABLE>