<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>                                              5,366   
<INT-BEARING-DEPOSITS>                              3,330   
<FED-FUNDS-SOLD>                                        0   
<TRADING-ASSETS>                                      956   
<INVESTMENTS-HELD-FOR-SALE>                        20,584   
<INVESTMENTS-CARRYING>                              3,126   
<INVESTMENTS-MARKET>                                3,205   
<LOANS>                                            84,852   
<ALLOWANCE>                                           854   
<TOTAL-ASSETS>                                    123,526   
<DEPOSITS>                                         91,043   
<SHORT-TERM>                                        8,140   
<LIABILITIES-OTHER>                                   589   
<LONG-TERM>                                        12,613   
<PREFERRED-MANDATORY>                                   0   
<PREFERRED>                                             0   
<COMMON>                                            1,874   
<OTHER-SE>                                         10,786   
<TOTAL-LIABILITIES-AND-EQUITY>                    123,526   
<INTEREST-LOAN>                                     1,714   
<INTEREST-INVEST>                                     472   
<INTEREST-OTHER>                                        0   
<INTEREST-TOTAL>                                    2,186   
<INTEREST-DEPOSIT>                                  1,047   
<INTEREST-EXPENSE>                                  1,408   
<INTEREST-INCOME-NET>                                 778   
<LOAN-LOSSES>                                           0   
<SECURITIES-GAINS>                                      5   
<EXPENSE-OTHER>                                       790   
<INCOME-PRETAX>                                       210   
<INCOME-PRE-EXTRAORDINARY>                            210   
<EXTRAORDINARY>                                         0   
<CHANGES>                                               0   
<NET-INCOME>                                          133   
<EPS-PRIMARY>                                         .10   
<EPS-DILUTED>                                         .10   
<YIELD-ACTUAL>                                       8.07   
<LOANS-NON>                                           835   
<LOANS-PAST>                                            0   
<LOANS-TROUBLED>                                      427   
<LOANS-PROBLEM>                                       825   
<ALLOWANCE-OPEN>                                      869   
<CHARGE-OFFS>                                          12   
<RECOVERIES>                                            0   
<ALLOWANCE-CLOSE>                                     854   
<ALLOWANCE-DOMESTIC>                                  156   
<ALLOWANCE-FOREIGN>                                     0   
<ALLOWANCE-UNALLOCATED>                               698   
                                               


</TABLE>