<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at March 31, 1998,  (unaudited) and the Consolidated
Statement of Income for the three months ended March 31, 1998 (unaudited) 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-31-1998
<PERIOD-END>                                        MAR-31-1998
<CASH>                                                         7,429
<INT-BEARING-DEPOSITS>                                         1,858
<FED-FUNDS-SOLD>                                               5,190
<TRADING-ASSETS>                                                 352
<INVESTMENTS-HELD-FOR-SALE>                                   16,759
<INVESTMENTS-CARRYING>                                        13,691
<INVESTMENTS-MARKET>                                          13,718
<LOANS>                                                       96,055
<ALLOWANCE>                                                    1,220
<TOTAL-ASSETS>                                               144,746
<DEPOSITS>                                                   122,260
<SHORT-TERM>                                                   2,331
<LIABILITIES-OTHER>                                              966
<LONG-TERM>                                                    4,560
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                      10,560
<OTHER-SE>                                                     4,069
<TOTAL-LIABILITIES-AND-EQUITY>                               144,746
<INTEREST-LOAN>                                                2,203
<INTEREST-INVEST>                                                465
<INTEREST-OTHER>                                                  96
<INTEREST-TOTAL>                                               2,764
<INTEREST-DEPOSIT>                                             1,176
<INTEREST-EXPENSE>                                             1,253
<INTEREST-INCOME-NET>                                          1,511
<LOAN-LOSSES>                                                     91
<SECURITIES-GAINS>                                                (1)
<EXPENSE-OTHER>                                                1,059
<INCOME-PRETAX>                                                  591
<INCOME-PRE-EXTRAORDINARY>                                       591
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     399
<EPS-PRIMARY>                                                   0.15
<EPS-DILUTED>                                                   0.15
<YIELD-ACTUAL>                                                  4.62
<LOANS-NON>                                                       62
<LOANS-PAST>                                                     173
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                  235
<ALLOWANCE-OPEN>                                               1,140
<CHARGE-OFFS>                                                     16
<RECOVERIES>                                                       5
<ALLOWANCE-CLOSE>                                              1,220
<ALLOWANCE-DOMESTIC>                                           1,220
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0
        

</TABLE>