<TABLE> <S> <C>


<ARTICLE>                                                9                  
<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>                                               4,525
<INT-BEARING-DEPOSITS>                                 100
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         14,587
<INVESTMENTS-CARRYING>                              14,587
<INVESTMENTS-MARKET>                                14,587
<LOANS>                                             65,634
<ALLOWANCE>                                           (240)
<TOTAL-ASSETS>                                      88,999
<DEPOSITS>                                          63,330
<SHORT-TERM>                                         6,500
<LIABILITIES-OTHER>                                    935
<LONG-TERM>                                          1,450
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             7,568
<OTHER-SE>                                           9,216
<TOTAL-LIABILITIES-AND-EQUITY>                      88,999
<INTEREST-LOAN>                                      1,316
<INTEREST-INVEST>                                      227
<INTEREST-OTHER>                                        45
<INTEREST-TOTAL>                                     1,588
<INTEREST-DEPOSIT>                                     732
<INTEREST-EXPENSE>                                     826
<INTEREST-INCOME-NET>                                  762
<LOAN-LOSSES>                                           (9)
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        317
<INCOME-PRETAX>                                        488
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           304
<EPS-PRIMARY>                                          .24
<EPS-DILUTED>                                          .23
<YIELD-ACTUAL>                                        3.64
<LOANS-NON>                                            363
<LOANS-PAST>                                           363
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       245
<CHARGE-OFFS>                                          147
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      240
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                240
        


</TABLE>