<TABLE> <S> <C>

<ARTICLE>                    9
       
<S>                                                           <C>
<PERIOD-TYPE>                                                       3-MOS
<FISCAL-YEAR-END>                                             DEC-31-1998
<PERIOD-END>                                                  MAR-31-1998
<CASH>                                                         16,110,000
<INT-BEARING-DEPOSITS>                                        142,379,000
<FED-FUNDS-SOLD>                                               19,500,000
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                    36,819,000
<INVESTMENTS-CARRYING>                                         63,134,000
<INVESTMENTS-MARKET>                                           63,843,000
<LOANS>                                                       126,967,000
<ALLOWANCE>                                                    (2,170,000)
<TOTAL-ASSETS>                                                231,765,000
<DEPOSITS>                                                    200,357,000
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                             1,037,000
<LONG-TERM>                                                    11,600,000
<COMMON>                                                        9,596,000
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<OTHER-SE>                                                      9,175,000
<TOTAL-LIABILITIES-AND-EQUITY>                                231,765,000
<INTEREST-LOAN>                                                 3,066,000
<INTEREST-INVEST>                                                 956,000
<INTEREST-OTHER>                                                   69,000
<INTEREST-TOTAL>                                                4,091,000
<INTEREST-DEPOSIT>                                              1,153,000
<INTEREST-EXPENSE>                                              1,355,000
<INTEREST-INCOME-NET>                                           2,736,000
<LOAN-LOSSES>                                                      54,000
<SECURITIES-GAINS>                                                 38,000
<EXPENSE-OTHER>                                                 2,350,000
<INCOME-PRETAX>                                                   530,000
<INCOME-PRE-EXTRAORDINARY>                                        530,000
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                      492,000
<EPS-PRIMARY>                                                         .42
<EPS-DILUTED>                                                         .38
<YIELD-ACTUAL>                                                       8.76
<LOANS-NON>                                                        70,000
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                2,125,000
<CHARGE-OFFS>                                                      61,000
<RECOVERIES>                                                        7,000
<ALLOWANCE-CLOSE>                                               2,170,000
<ALLOWANCE-DOMESTIC>                                            2,170,000
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0
        

</TABLE>