<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          15,683
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                34,575
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     59,300
<INVESTMENTS-CARRYING>                          63,195
<INVESTMENTS-MARKET>                            63,983
<LOANS>                                        226,051
<ALLOWANCE>                                      3,014
<TOTAL-ASSETS>                                 409,224
<DEPOSITS>                                     328,190
<SHORT-TERM>                                    38,770
<LIABILITIES-OTHER>                              3,275
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      33,002
<TOTAL-LIABILITIES-AND-EQUITY>                 409,224
<INTEREST-LOAN>                                  5,093
<INTEREST-INVEST>                                1,866
<INTEREST-OTHER>                                   228
<INTEREST-TOTAL>                                 7,187
<INTEREST-DEPOSIT>                               2,742
<INTEREST-EXPENSE>                               3,166
<INTEREST-INCOME-NET>                            4,021
<LOAN-LOSSES>                                      190
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,754
<INCOME-PRETAX>                                  1,893
<INCOME-PRE-EXTRAORDINARY>                       1,236
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,236
<EPS-PRIMARY>                                     2.07<F1>
<EPS-DILUTED>                                     2.07<F1>
<YIELD-ACTUAL>                                    4.46<F1>
<LOANS-NON>                                        165
<LOANS-PAST>                                       221
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    165
<ALLOWANCE-OPEN>                                 2,879
<CHARGE-OFFS>                                      163
<RECOVERIES>                                       108
<ALLOWANCE-CLOSE>                                3,014
<ALLOWANCE-DOMESTIC>                             3,014
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER IS NOT APPLICABLE TO EPS AND YIELD DATA.
</FN>
        

</TABLE>