<TABLE> <S> <C>

<ARTICLE>  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM  10-Q SB FOR THE  FISCAL  QUARTER  ENDED  MARCH  31,  1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>  1000
       
<S>                             <C>                       <C>
<PERIOD-TYPE>                   3-MOS                     3-MOS 
<FISCAL-YEAR-END>                           DEC-31-1998                DEC-31-1997
<PERIOD-END>                                MAR-31-1998                MAR-31-1997
<CASH>                                             1,579                      1,481
<INT-BEARING-DEPOSITS>                                 0                          0
<FED-FUNDS-SOLD>                                   2,700                      4,100
<TRADING-ASSETS>                                       0                          0
<INVESTMENTS-HELD-FOR-SALE>                        7,064                      4,951
<INVESTMENTS-CARRYING>                            21,806                     34,176
<INVESTMENTS-MARKET>                              21,940                     33,775
<LOANS>                                          136,912                    119,202
<ALLOWANCE>                                          840                        676
<TOTAL-ASSETS>                                   175,420                    168,841
<DEPOSITS>                                       151,186                    144,374
<SHORT-TERM>                                           0                          0
<LIABILITIES-OTHER>                                2,553                      2,534
<LONG-TERM>                                            0                          0
<COMMON>                                              15                         15
<PREFERRED-MANDATORY>                                  0                          0
<PREFERRED>                                            0                          0
<OTHER-SE>                                        21,666                     21,918
<TOTAL-LIABILITIES-AND-EQUITY>                   175,420                    168,841
<INTEREST-LOAN>                                    2,638                      2,309
<INTEREST-INVEST>                                    505                        591
<INTEREST-OTHER>                                      43                         67
<INTEREST-TOTAL>                                   3,186                      2,967
<INTEREST-DEPOSIT>                                 1,714                      1,548
<INTEREST-EXPENSE>                                 1,714                      1,548
<INTEREST-INCOME-NET>                              1,472                      1,419
<LOAN-LOSSES>                                         30                         30
<SECURITIES-GAINS>                                     0                          0
<EXPENSE-OTHER>                                    1,114                      1,123
<INCOME-PRETAX>                                      461                        357
<INCOME-PRE-EXTRAORDINARY>                           461                        357
<EXTRAORDINARY>                                        0                          0
<CHANGES>                                              0                          0
<NET-INCOME>                                         270                        225
<EPS-PRIMARY>                                        .25                        .20
<EPS-DILUTED>                                        .23                        .19
<YIELD-ACTUAL>                                      3.52                       3.57
<LOANS-NON>                                        1,159                      1,030
<LOANS-PAST>                                          19                         21
<LOANS-TROUBLED>                                       0                          0
<LOANS-PROBLEM>                                        0                          0
<ALLOWANCE-OPEN>                                     778                        642
<CHARGE-OFFS>                                          0                          2
<RECOVERIES>                                          32                          6
<ALLOWANCE-CLOSE>                                    840                        676
<ALLOWANCE-DOMESTIC>                                 459                        393
<ALLOWANCE-FOREIGN>                                    0                          0
<ALLOWANCE-UNALLOCATED>                              381                        283
        

</TABLE>