<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>                                                        27,555
<INT-BEARING-DEPOSITS>                                             0
<FED-FUNDS-SOLD>                                              13,900
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   56,606
<INVESTMENTS-CARRYING>                                        46,574
<INVESTMENTS-MARKET>                                          46,383
<LOANS>                                                      356,650
<ALLOWANCE>                                                    3,965
<TOTAL-ASSETS>                                               510,976
<DEPOSITS>                                                   438,138
<SHORT-TERM>                                                  11,700
<LIABILITIES-OTHER>                                            5,418
<LONG-TERM>                                                    9,958
<COMMON>                                                       4,762
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<OTHER-SE>                                                    41,000
<TOTAL-LIABILITIES-AND-EQUITY>                               510,976
<INTEREST-LOAN>                                                7,812
<INTEREST-INVEST>                                              1,770
<INTEREST-OTHER>                                                  34
<INTEREST-TOTAL>                                               9,616
<INTEREST-DEPOSIT>                                             3,292
<INTEREST-EXPENSE>                                             3,638
<INTEREST-INCOME-NET>                                          5,978
<LOAN-LOSSES>                                                    610
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                3,915
<INCOME-PRETAX>                                                3,160
<INCOME-PRE-EXTRAORDINARY>                                     3,160
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   2,054
<EPS-PRIMARY>                                                      0.48
<EPS-DILUTED>                                                      0.48
<YIELD-ACTUAL>                                                     5.05
<LOANS-NON>                                                    2,035
<LOANS-PAST>                                                      42
<LOANS-TROUBLED>                                                 573
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               3,653
<CHARGE-OFFS>                                                    309
<RECOVERIES>                                                      11
<ALLOWANCE-CLOSE>                                              3,965
<ALLOWANCE-DOMESTIC>                                           3,965
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          378
        


</TABLE>