<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLODATED INCOME STATEMENTS AND CONSOLODATED BALANCE SHEETS FOUND ON
PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE, 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>                                           7,016
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                16,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     95,273
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        241,866
<ALLOWANCE>                                      3,885
<TOTAL-ASSETS>                                 370,363
<DEPOSITS>                                     329,049
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,984
<LONG-TERM>                                         43
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           727
<OTHER-SE>                                      36,560
<TOTAL-LIABILITIES-AND-EQUITY>                 370,363
<INTEREST-LOAN>                                  5,192
<INTEREST-INVEST>                                1,384
<INTEREST-OTHER>                                    82
<INTEREST-TOTAL>                                 6,658
<INTEREST-DEPOSIT>                               3,422
<INTEREST-EXPENSE>                               3,430
<INTEREST-INCOME-NET>                            3,228
<LOAN-LOSSES>                                      105
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,130
<INCOME-PRETAX>                                  1,346
<INCOME-PRE-EXTRAORDINARY>                       1,346
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,070
<EPS-PRIMARY>                                     0.49
<EPS-DILUTED>                                     0.49
<YIELD-ACTUAL>                                    8.06
<LOANS-NON>                                      1,427
<LOANS-PAST>                                     2,005
<LOANS-TROUBLED>                                   185
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,798
<CHARGE-OFFS>                                      125
<RECOVERIES>                                       107
<ALLOWANCE-CLOSE>                                3,885
<ALLOWANCE-DOMESTIC>                             3,885
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>