<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM
THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                               2,805
<INT-BEARING-DEPOSITS>                                 600
<FED-FUNDS-SOLD>                                     9,470
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         14,371
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            108,730
<ALLOWANCE>                                            729
<TOTAL-ASSETS>                                     143,062
<DEPOSITS>                                         128,109
<SHORT-TERM>                                         1,960
<LIABILITIES-OTHER>                                  1,417
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                91
<OTHER-SE>                                          11,485
<TOTAL-LIABILITIES-AND-EQUITY>                     143,062
<INTEREST-LOAN>                                      2,377
<INTEREST-INVEST>                                      194
<INTEREST-OTHER>                                        83
<INTEREST-TOTAL>                                     2,654
<INTEREST-DEPOSIT>                                   1,290
<INTEREST-EXPENSE>                                   1,450
<INTEREST-INCOME-NET>                                1,204
<LOAN-LOSSES>                                           60
<SECURITIES-GAINS>                                     105
<EXPENSE-OTHER>                                      1,300
<INCOME-PRETAX>                                         87
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                            57
<EPS-PRIMARY>                                          .07
<EPS-DILUTED>                                          .06
<YIELD-ACTUAL>                                        3.50
<LOANS-NON>                                            569
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        678
<ALLOWANCE-OPEN>                                       670
<CHARGE-OFFS>                                            1
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      729
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>