<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                           4,089   
<INT-BEARING-DEPOSITS>                              21
<FED-FUNDS-SOLD>                                 2,200 
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     30,946
<INVESTMENTS-CARRYING>                           4,557
<INVESTMENTS-MARKET>                             4,561
<LOANS>                                         89,222
<ALLOWANCE>                                        888
<TOTAL-ASSETS>                                 136,074
<DEPOSITS>                                     119,672
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                650
<LONG-TERM>                                      2,052
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,352
<OTHER-SE>                                       4,432
<TOTAL-LIABILITIES-AND-EQUITY>                  13,700 
<INTEREST-LOAN>                                  1,926
<INTEREST-INVEST>                                  565
<INTEREST-OTHER>                                    12
<INTEREST-TOTAL>                                 2,503
<INTEREST-DEPOSIT>                                 958 
<INTEREST-EXPENSE>                                 988
<INTEREST-INCOME-NET>                            1,515
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,141
<INCOME-PRETAX>                                    488
<INCOME-PRE-EXTRAORDINARY>                         488
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       339  
<EPS-PRIMARY>                                      .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    5.04
<LOANS-NON>                                        828
<LOANS-PAST>                                       132
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   874
<CHARGE-OFFS>                                       44
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                  888
<ALLOWANCE-DOMESTIC>                               383
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            505
                                        


</TABLE>