<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME AND
COMPREHENSIVE INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          16,194
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     16,717
<INVESTMENTS-CARRYING>                          33,237
<INVESTMENTS-MARKET>                            34,563
<LOANS>                                        160,514
<ALLOWANCE>                                      1,915
<TOTAL-ASSETS>                                 241,533
<DEPOSITS>                                     207,742
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              8,763
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      4,433
<COMMON>                                             0
<OTHER-SE>                                      15,595
<TOTAL-LIABILITIES-AND-EQUITY>                 241,533
<INTEREST-LOAN>                                  3,951
<INTEREST-INVEST>                                  780
<INTEREST-OTHER>                                    36
<INTEREST-TOTAL>                                 4,767
<INTEREST-DEPOSIT>                               1,821
<INTEREST-EXPENSE>                               1,905
<INTEREST-INCOME-NET>                            2,862
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,249
<INCOME-PRETAX>                                  1,025
<INCOME-PRE-EXTRAORDINARY>                       1,025
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       757
<EPS-PRIMARY>                                      .39
<EPS-DILUTED>                                      .39
<YIELD-ACTUAL>                                    5.42
<LOANS-NON>                                      1,038
<LOANS-PAST>                                       864
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,554
<ALLOWANCE-OPEN>                                 1,863
<CHARGE-OFFS>                                      128
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                1,915
<ALLOWANCE-DOMESTIC>                               962
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            953
        

</TABLE>