<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
REPORT ON FORM 10-K FOR THE YEAR ENDED DECEMBER 31, 1996 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-31-1996  
<PERIOD-END>                                 MAR-31-1997  
<CASH>                                             7,408  
<INT-BEARING-DEPOSITS>                             8,262  
<FED-FUNDS-SOLD>                                   8,262  
<TRADING-ASSETS>                                       0  
<INVESTMENTS-HELD-FOR-SALE>                           34  
<INVESTMENTS-CARRYING>                            35,795  
<INVESTMENTS-MARKET>                              34,894  
<LOANS>                                          296,681   
<ALLOWANCE>                                       (1,761) 
<TOTAL-ASSETS>                                   400,059  
<DEPOSITS>                                       238,430  
<SHORT-TERM>                                      65,509  
<LIABILITIES-OTHER>                                1,687  
<LONG-TERM>                                       40,834  
<PREFERRED-MANDATORY>                                  0  
<PREFERRED>                                            0  
<COMMON>                                              26  
<OTHER-SE>                                        53,633  
<TOTAL-LIABILITIES-AND-EQUITY>                   400,059  
<INTEREST-LOAN>                                    5,696  
<INTEREST-INVEST>                                    691  
<INTEREST-OTHER>                                     125  
<INTEREST-TOTAL>                                   7,114  
<INTEREST-DEPOSIT>                                 2,936  
<INTEREST-EXPENSE>                                 1,495  
<INTEREST-INCOME-NET>                              2,683  
<LOAN-LOSSES>                                         67  
<SECURITIES-GAINS>                                     0  
<EXPENSE-OTHER>                                    2,323  
<INCOME-PRETAX>                                      560  
<INCOME-PRE-EXTRAORDINARY>                             0  
<EXTRAORDINARY>                                        0  
<CHANGES>                                              0  
<NET-INCOME>                                         332  
<EPS-PRIMARY>                                        .14  
<EPS-DILUTED>                                        .14  
<YIELD-ACTUAL>                                      3.02  
<LOANS-NON>                                        1,919  
<LOANS-PAST>                                       1,863  
<LOANS-TROUBLED>                                       0  
<LOANS-PROBLEM>                                      330  
<ALLOWANCE-OPEN>                                  (1,716)  
<CHARGE-OFFS>                                         12  
<RECOVERIES>                                           0  
<ALLOWANCE-CLOSE>                                 (1,761)  
<ALLOWANCE-DOMESTIC>                              (1,761)  
<ALLOWANCE-FOREIGN>                                    0  
<ALLOWANCE-UNALLOCATED>                                0  
                                             

</TABLE>