<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>                                               3,868
<INT-BEARING-DEPOSITS>                               5,050
<FED-FUNDS-SOLD>                                    23,550
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         36,624
<INVESTMENTS-CARRYING>                              27,189
<INVESTMENTS-MARKET>                                27,052
<LOANS>                                            421,678
<ALLOWANCE>                                          1,671
<TOTAL-ASSETS>                                     540,408
<DEPOSITS>                                         424,737
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  6,045
<LONG-TERM>                                         44,476
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               559
<OTHER-SE>                                          64,591
<TOTAL-LIABILITIES-AND-EQUITY>                     540,408
<INTEREST-LOAN>                                      8,296
<INTEREST-INVEST>                                      794
<INTEREST-OTHER>                                       477
<INTEREST-TOTAL>                                     9,567
<INTEREST-DEPOSIT>                                   5,297
<INTEREST-EXPENSE>                                   5,842
<INTEREST-INCOME-NET>                                3,725
<LOAN-LOSSES>                                           20
<SECURITIES-GAINS>                                      62
<EXPENSE-OTHER>                                      2,330
<INCOME-PRETAX>                                      1,880
<INCOME-PRE-EXTRAORDINARY>                           1,203
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,203
<EPS-PRIMARY>                                          .22
<EPS-DILUTED>                                          .22
<YIELD-ACTUAL>                                        2.90
<LOANS-NON>                                            799
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,658
<CHARGE-OFFS>                                            7
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,671
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,671
        


</TABLE>