<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>                                               3,867
<INT-BEARING-DEPOSITS>                               3,211
<FED-FUNDS-SOLD>                                     3,300
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                             158,358
<INVESTMENTS-MARKET>                               157,597
<LOANS>                                            123,161
<ALLOWANCE>                                          1,008
<TOTAL-ASSETS>                                     303,384
<DEPOSITS>                                         227,549
<SHORT-TERM>                                        24,624 
<LIABILITIES-OTHER>                                  2,971
<LONG-TERM>                                          9,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               304
<OTHER-SE>                                          38,937
<TOTAL-LIABILITIES-AND-EQUITY>                     303,384
<INTEREST-LOAN>                                      2,205
<INTEREST-INVEST>                                    2,776
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     4,981
<INTEREST-DEPOSIT>                                   2,522
<INTEREST-EXPENSE>                                   2,995
<INTEREST-INCOME-NET>                                1,986
<LOAN-LOSSES>                                           60
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,279
<INCOME-PRETAX>                                        715
<INCOME-PRE-EXTRAORDINARY>                             445
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           445
<EPS-PRIMARY>                                         0.17
<EPS-DILUTED>                                         0.17
<YIELD-ACTUAL>                                        2.73
<LOANS-NON>                                          1,967
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,090
<CHARGE-OFFS>                                          142
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,008
<ALLOWANCE-DOMESTIC>                                 1,008
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,008
        


</TABLE>