<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>                                              4,732              
<INT-BEARING-DEPOSITS>                                  0              
<FED-FUNDS-SOLD>                                        0              
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        20,370              
<INVESTMENTS-CARRYING>                             30,629              
<INVESTMENTS-MARKET>                               29,923              
<LOANS>                                            69,956              
<ALLOWANCE>                                           891              
<TOTAL-ASSETS>                                    107,874              
<DEPOSITS>                                         92,881              
<SHORT-TERM>                                        2,100              
<LIABILITIES-OTHER>                                 1,343              
<LONG-TERM>                                             0              
<PREFERRED-MANDATORY>                                   0              
<PREFERRED>                                             0              
<COMMON>                                           11,210              
<OTHER-SE>                                            340
<TOTAL-LIABILITIES-AND-EQUITY>                    107,874              
<INTEREST-LOAN>                                     1,595              
<INTEREST-INVEST>                                     414              
<INTEREST-OTHER>                                        4              
<INTEREST-TOTAL>                                    2,013              
<INTEREST-DEPOSIT>                                    869              
<INTEREST-EXPENSE>                                      9              
<INTEREST-INCOME-NET>                               1,135              
<LOAN-LOSSES>                                          29
<SECURITIES-GAINS>                                      0              
<EXPENSE-OTHER>                                     1,090              
<INCOME-PRETAX>                                       260              
<INCOME-PRE-EXTRAORDINARY>                            155                
<EXTRAORDINARY>                                         0              
<CHANGES>                                               0              
<NET-INCOME>                                          155
<EPS-PRIMARY>                                         .09              
<EPS-DILUTED>                                           0              
<YIELD-ACTUAL>                                       4.26              
<LOANS-NON>                                            13              
<LOANS-PAST>                                          325
<LOANS-TROUBLED>                                        0              
<LOANS-PROBLEM>                                       837              
<ALLOWANCE-OPEN>                                      866              
<CHARGE-OFFS>                                           9              
<RECOVERIES>                                            5              
<ALLOWANCE-CLOSE>                                     891              
<ALLOWANCE-DOMESTIC>                                  891              
<ALLOWANCE-FOREIGN>                                     0              
<ALLOWANCE-UNALLOCATED>                                 0              
                                                                      

</TABLE>