<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS 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> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           8,405
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                26,454
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     79,601
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        136,444
<ALLOWANCE>                                      1,445
<TOTAL-ASSETS>                                 269,648
<DEPOSITS>                                     215,622
<SHORT-TERM>                                     7,520
<LIABILITIES-OTHER>                              3,239
<LONG-TERM>                                     14,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        22,227
<OTHER-SE>                                       6,123
<TOTAL-LIABILITIES-AND-EQUITY>                 269,648
<INTEREST-LOAN>                                  3,294
<INTEREST-INVEST>                                1,288
<INTEREST-OTHER>                                   335
<INTEREST-TOTAL>                                 4,917
<INTEREST-DEPOSIT>                               1,699
<INTEREST-EXPENSE>                               2,011
<INTEREST-INCOME-NET>                            2,906
<LOAN-LOSSES>                                       61
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  3,184
<INCOME-PRETAX>                                    794
<INCOME-PRE-EXTRAORDINARY>                         501
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       501
<EPS-PRIMARY>                                      .12
<EPS-DILUTED>                                      .12
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                        785
<LOANS-PAST>                                       174
<LOANS-TROUBLED>                                     0<F1>
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 1,429
<CHARGE-OFFS>                                       52
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                1,445
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THESE ITEMS NOT REQUIRED BY REGULATION SB.
</FN>
        

</TABLE>