<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>                                              18,571
<INT-BEARING-DEPOSITS>                               4,695
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         42,115
<INVESTMENTS-CARRYING>                             221,165
<INVESTMENTS-MARKET>                               218,686
<LOANS>                                            316,057
<ALLOWANCE>                                          1,910
<TOTAL-ASSETS>                                     644,368
<DEPOSITS>                                         460,910
<SHORT-TERM>                                         5,000
<LIABILITIES-OTHER>                                 10,236
<LONG-TERM>                                        198,359
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               529
<OTHER-SE>                                          69,334
<TOTAL-LIABILITIES-AND-EQUITY>                     644,368
<INTEREST-LOAN>                                      6,192
<INTEREST-INVEST>                                    4,675
<INTEREST-OTHER>                                       308
<INTEREST-TOTAL>                                    11,175
<INTEREST-DEPOSIT>                                   4,657
<INTEREST-EXPENSE>                                   6,114  
<INTEREST-INCOME-NET>                                5,061
<LOAN-LOSSES>                                          105
<SECURITIES-GAINS>                                      73
<EXPENSE-OTHER>                                      3,408
<INCOME-PRETAX>                                      1,938
<INCOME-PRE-EXTRAORDINARY>                           3,943
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,164
<EPS-PRIMARY>                                          .29
<EPS-DILUTED>                                            0
<YIELD-ACTUAL>                                        3.26
<LOANS-NON>                                              0
<LOANS-PAST>                                         1,998
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,513
<CHARGE-OFFS>                                            8
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,910
<ALLOWANCE-DOMESTIC>                                 1,910
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,910
        


</TABLE>