<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
                   Appendix C to Item 601(c) of Regulation S-K
                    (ARTICLE 9 OF REGULATION S-X BANK HOLDING
                 COMPANIES AND SAVINGS & LOAN HOLDING COMPANIES)

THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANTS INTERIM FINANCIAL STATEMENTS AT AND FOR THE PERIOD ENDED
MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                           DEC-31-1998
<PERIOD-END>                                MAR-31-1998
<CASH>                                           12,240
<INT-BEARING-DEPOSITS>                                3
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      74,731
<INVESTMENTS-CARRYING>                           90,722
<INVESTMENTS-MARKET>                             90,722
<LOANS>                                         128,899
<ALLOWANCE>                                       3,136
<TOTAL-ASSETS>                                  316,082
<DEPOSITS>                                      223,953
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                               1,126
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                         30,816
<OTHER-SE>                                        6,142
<TOTAL-LIABILITIES-AND-EQUITY>                  316,082
<INTEREST-LOAN>                                   2,618
<INTEREST-INVEST>                                 2,657
<INTEREST-OTHER>                                      0
<INTEREST-TOTAL>                                  5,228
<INTEREST-DEPOSIT>                                2,429
<INTEREST-EXPENSE>                                2,953
<INTEREST-INCOME-NET>                             2,275
<LOAN-LOSSES>                                        75
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                   1,514
<INCOME-PRETAX>                                     776
<INCOME-PRE-EXTRAORDINARY>                          776
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        519
<EPS-PRIMARY>                                       .22
<EPS-DILUTED>                                       .21
<YIELD-ACTUAL>                                     7.25
<LOANS-NON>                                       2,228
<LOANS-PAST>                                      2,228
<LOANS-TROUBLED>                                    667
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  3,061
<CHARGE-OFFS>                                         0
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                 3,136
<ALLOWANCE-DOMESTIC>                              3,136
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0
        


</TABLE>