
<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1996
<PERIOD-START>                                 JAN-01-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                         12,250
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               100
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    49,156
<INVESTMENTS-CARRYING>                         59,829
<INVESTMENTS-MARKET>                           59,580
<LOANS>                                        331,593
<ALLOWANCE>                                    3,168
<TOTAL-ASSETS>                                 462,499
<DEPOSITS>                                     394,993
<SHORT-TERM>                                   13,657
<LIABILITIES-OTHER>                            4,533
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       13,133
<OTHER-SE>                                     36,183
<TOTAL-LIABILITIES-AND-EQUITY>                 462,499
<INTEREST-LOAN>                                6,675
<INTEREST-INVEST>                              1,877
<INTEREST-OTHER>                               60
<INTEREST-TOTAL>                               8,612
<INTEREST-DEPOSIT>                             3,473
<INTEREST-EXPENSE>                             3,644
<INTEREST-INCOME-NET>                          4,968
<LOAN-LOSSES>                                  30
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                2,845
<INCOME-PRETAX>                                2,545
<INCOME-PRE-EXTRAORDINARY>                     2,545
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,706
<EPS-PRIMARY>                                  .32
<EPS-DILUTED>                                  .32
<YIELD-ACTUAL>                                 4.47
<LOANS-NON>                                    1,001
<LOANS-PAST>                                   2,407
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                3,408
<ALLOWANCE-OPEN>                               3,183
<CHARGE-OFFS>                                  50
<RECOVERIES>                                   5
<ALLOWANCE-CLOSE>                              3,168
<ALLOWANCE-DOMESTIC>                           3,168
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        


</TABLE>
