WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>


<ARTICLE>                                       9
       
<S>                             <C>                       <C>
<PERIOD-TYPE>                   3-MOS                     3-MOS
<FISCAL-YEAR-END>                         DEC-31-1997               DEC-31-1996
<PERIOD-END>                              MAR-31-1997               MAR-31-1996
<CASH>                                          8,459                     8,592
<INT-BEARING-DEPOSITS>                            410                       416
<FED-FUNDS-SOLD>                                  550                     3,300
<TRADING-ASSETS>                                2,785                         0
<INVESTMENTS-HELD-FOR-SALE>                    47,000                    77,890
<INVESTMENTS-CARRYING>                         24,038                    25,808
<INVESTMENTS-MARKET>                           23,648                    25,227 
<LOANS>                                       163,189                   139,270 
<ALLOWANCE>                                     2,250                     1,970 
<TOTAL-ASSETS>                                257,861                   266,069 
<DEPOSITS>                                    225,754                   225,715 
<SHORT-TERM>                                    2,023                     7,360 
<LIABILITIES-OTHER>                             1,529                     2,290 
<LONG-TERM>                                     6,684                    10,060 
<PREFERRED-MANDATORY>                               0                         0
<PREFERRED>                                         0                         0
<COMMON>                                        8,096                     7,287
<OTHER-SE>                                     13,775                    13,357
<TOTAL-LIABILITIES-AND-EQUITY>                 21,871                   266,069
<INTEREST-LOAN>                                 4,001                     3,270
<INTEREST-INVEST>                               1,003                     1,322
<INTEREST-OTHER>                                   34                       158
<INTEREST-TOTAL>                                5,038                     4,750
<INTEREST-DEPOSIT>                              2,331                     2,407 
<INTEREST-EXPENSE>                              2,514                     2,683 
<INTEREST-INCOME-NET>                           2,523                     2,067 
<LOAN-LOSSES>                                     180                        75 
<SECURITIES-GAINS>                                 (3)                       34
<EXPENSE-OTHER>                                 2,303                     1,839 
<INCOME-PRETAX>                                   817                       593 
<INCOME-PRE-EXTRAORDINARY>                        817                       593 
<EXTRAORDINARY>                                     0                         0 
<CHANGES>                                           0                         0 
<NET-INCOME>                                      667                       468 
<EPS-PRIMARY>                                    0.41                      0.29 
<EPS-DILUTED>                                       0                         0 
<YIELD-ACTUAL>                                   4.45%                     3.71%
<LOANS-NON>                                       872                     1,228 
<LOANS-PAST>                                      650                       210 
<LOANS-TROUBLED>                                    0                         0 
<LOANS-PROBLEM>                                     0                         0 
<ALLOWANCE-OPEN>                                2,100                     1,904 
<CHARGE-OFFS>                                      33                        10 
<RECOVERIES>                                        3                         1 
<ALLOWANCE-CLOSE>                               2,250                     1,970 
<ALLOWANCE-DOMESTIC>                            2,250                     1,409 
<ALLOWANCE-FOREIGN>                                 0                         0 
<ALLOWANCE-UNALLOCATED>                           270                       561 
                                                                    


</TABLE>