<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
FOR THE THREE MONTHS ENDED MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          10,185
<INT-BEARING-DEPOSITS>                             181
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    107,648
<INVESTMENTS-CARRYING>                          63,602
<INVESTMENTS-MARKET>                            63,894
<LOANS>                                        343,850
<ALLOWANCE>                                    (2,470)
<TOTAL-ASSETS>                                 549,838
<DEPOSITS>                                     333,210
<SHORT-TERM>                                    40,760
<LIABILITIES-OTHER>                              5,784
<LONG-TERM>                                    135,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,584
<OTHER-SE>                                      34,584
<TOTAL-LIABILITIES-AND-EQUITY>                 549,838
<INTEREST-LOAN>                                  6,508
<INTEREST-INVEST>                                2,842
<INTEREST-OTHER>                                    32
<INTEREST-TOTAL>                                 9,382
<INTEREST-DEPOSIT>                               2,841
<INTEREST-EXPENSE>                               5,347
<INTEREST-INCOME-NET>                            4,035
<LOAN-LOSSES>                                      190
<SECURITIES-GAINS>                                 365
<EXPENSE-OTHER>                                  3,605
<INCOME-PRETAX>                                  1,733
<INCOME-PRE-EXTRAORDINARY>                       1,733
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,136
<EPS-PRIMARY>                                      .32
<EPS-DILUTED>                                      .30
<YIELD-ACTUAL>                                    7.37
<LOANS-NON>                                        475
<LOANS-PAST>                                        55
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,280
<CHARGE-OFFS>                                       81
<RECOVERIES>                                        81
<ALLOWANCE-CLOSE>                                2,470
<ALLOWANCE-DOMESTIC>                             1,716
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            754
        

</TABLE>