<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
<CURRENCY>                                      Dollar
       
<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>                                               2,388
<INT-BEARING-DEPOSITS>                               6,949
<FED-FUNDS-SOLD>                                       403
<TRADING-ASSETS>                                     8,279
<INVESTMENTS-HELD-FOR-SALE>                         19,517
<INVESTMENTS-CARRYING>                               4,084
<INVESTMENTS-MARKET>                                 3,996
<LOANS>                                             62,814
<ALLOWANCE>                                          1,815
<TOTAL-ASSETS>                                     110,628
<DEPOSITS>                                          94,081
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    850
<LONG-TERM>                                          1,176
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                             16
<COMMON>                                                20
<OTHER-SE>                                          14,485
<TOTAL-LIABILITIES-AND-EQUITY>                     110,628
<INTEREST-LOAN>                                      1,390
<INTEREST-INVEST>                                      388
<INTEREST-OTHER>                                        89
<INTEREST-TOTAL>                                     1,867
<INTEREST-DEPOSIT>                                     858
<INTEREST-EXPENSE>                                     883
<INTEREST-INCOME-NET>                                  984
<LOAN-LOSSES>                                           75
<SECURITIES-GAINS>                                     239
<EXPENSE-OTHER>                                      1,028
<INCOME-PRETAX>                                        295
<INCOME-PRE-EXTRAORDINARY>                             295
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           295
<EPS-PRIMARY>                                         0.09
<EPS-DILUTED>                                         0.08
<YIELD-ACTUAL>                                        4.16
<LOANS-NON>                                          3,517
<LOANS-PAST>                                           285
<LOANS-TROUBLED>                                        77
<LOANS-PROBLEM>                                        537
<ALLOWANCE-OPEN>                                     1,586
<CHARGE-OFFS>                                          220
<RECOVERIES>                                           374
<ALLOWANCE-CLOSE>                                    1,815
<ALLOWANCE-DOMESTIC>                                   823
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                992
        


</TABLE>