<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the 
Balance Sheet, and Statement of Income, 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>                                         12,007
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                9,400
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     1,105
<INVESTMENTS-CARRYING>                         14,055
<INVESTMENTS-MARKET>                           14,222
<LOANS>                                        87,500
<ALLOWANCE>                                     1,732
<TOTAL-ASSETS>                                127,244
<DEPOSITS>                                    112,129
<SHORT-TERM>                                    1,000
<LIABILITIES-OTHER>                             1,720
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0                                   
<COMMON>                                        4,756
<OTHER-SE>                                      7,639
<TOTAL-LIABILITIES-AND-EQUITY>                127,244
<INTEREST-LOAN>                                 2,248          
<INTEREST-INVEST>                                 232
<INTEREST-OTHER>                                  135
<INTEREST-TOTAL>                                2,615
<INTEREST-DEPOSIT>                                807
<INTEREST-EXPENSE>                                823
<INTEREST-INCOME-NET>                           1,792
<LOAN-LOSSES>                                      40
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,542
<INCOME-PRETAX>                                   805
<INCOME-PRE-EXTRAORDINARY>                        805
<EXTRAORDINARY>                                     0
<CHANGES>                                           0      
<NET-INCOME>                                      475
<EPS-PRIMARY>                                     .48
<EPS-DILUTED>                                     .47
<YIELD-ACTUAL>                                   9.40
<LOANS-NON>                                       173
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,732
<CHARGE-OFFS>                                      33
<RECOVERIES>                                       86
<ALLOWANCE-CLOSE>                               1,732
<ALLOWANCE-DOMESTIC>                            1,732
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0
        

</TABLE>