<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>                                              20,561
<INT-BEARING-DEPOSITS>                                 788
<FED-FUNDS-SOLD>                                     7,495
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         45,448
<INVESTMENTS-CARRYING>                              29,819
<INVESTMENTS-MARKET>                                30,415
<LOANS>                                            271,079
<ALLOWANCE>                                          4,157
<TOTAL-ASSETS>                                     396,478
<DEPOSITS>                                         354,112
<SHORT-TERM>                                           424
<LIABILITIES-OTHER>                                  6,839
<LONG-TERM>                                              0
<COMMON>                                             2,170
<PREFERRED-MANDATORY>                               10,622
<PREFERRED>                                              0
<OTHER-SE>                                          22,311
<TOTAL-LIABILITIES-AND-EQUITY>                     396,478
<INTEREST-LOAN>                                      6,684
<INTEREST-INVEST>                                    1,267
<INTEREST-OTHER>                                        11
<INTEREST-TOTAL>                                     7,962
<INTEREST-DEPOSIT>                                   3,692
<INTEREST-EXPENSE>                                   3,700
<INTEREST-INCOME-NET>                                4,262
<LOAN-LOSSES>                                          190
<SECURITIES-GAINS>                                       9
<EXPENSE-OTHER>                                      4,607
<INCOME-PRETAX>                                      2,065
<INCOME-PRE-EXTRAORDINARY>                           2,065
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,419
<EPS-PRIMARY>                                          .65
<EPS-DILUTED>                                          .65
<YIELD-ACTUAL>                                        1.20
<LOANS-NON>                                            775
<LOANS-PAST>                                           364
<LOANS-TROUBLED>                                       590
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     4,024
<CHARGE-OFFS>                                           91
<RECOVERIES>                                            34
<ALLOWANCE-CLOSE>                                    4,157
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              4,157
                                                          

</TABLE>