<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Consolidated  Statement of Financial Condition at March 31, 1997 (Unaudited) and
the  Consolidated  Statement of Income for the Three Months Ended March 31, 1997
(Unaudited)  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>                                           9,083
<INT-BEARING-DEPOSITS>                               4
<FED-FUNDS-SOLD>                                11,160
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     26,799
<INVESTMENTS-CARRYING>                           6,990
<INVESTMENTS-MARKET>                             7,120
<LOANS>                                        213,595
<ALLOWANCE>                                      3,408
<TOTAL-ASSETS>                                 276,046
<DEPOSITS>                                     230,046
<SHORT-TERM>                                    12,637
<LIABILITIES-OTHER>                              3,402
<LONG-TERM>                                     10,990
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,322
<OTHER-SE>                                      14,649
<TOTAL-LIABILITIES-AND-EQUITY>                 276,046
<INTEREST-LOAN>                                  6,353
<INTEREST-INVEST>                                  660
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,013
<INTEREST-DEPOSIT>                               2,465
<INTEREST-EXPENSE>                               2,920
<INTEREST-INCOME-NET>                            4,093
<LOAN-LOSSES>                                      270
<SECURITIES-GAINS>                                  38
<EXPENSE-OTHER>                                  3,064
<INCOME-PRETAX>                                  1,271
<INCOME-PRE-EXTRAORDINARY>                       1,271
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       819
<EPS-PRIMARY>                                      .30
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    6.53
<LOANS-NON>                                        347
<LOANS-PAST>                                       410
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,291
<ALLOWANCE-OPEN>                                 3,160
<CHARGE-OFFS>                                      234
<RECOVERIES>                                       212
<ALLOWANCE-CLOSE>                                3,408
<ALLOWANCE-DOMESTIC>                             3,408
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>