<TABLE> <S> <C>

<ARTICLE>  9
<MULTIPLIER>  1,000
       
<S>                                                           <C>
<PERIOD-TYPE>                                                 3-MOS
<FISCAL-YEAR-END>                                          DEC-31-1998
<PERIOD-END>                                               MAR-31-1998
<CASH>                                                          11,724
<INT-BEARING-DEPOSITS>                                              16
<FED-FUNDS-SOLD>                                                10,247
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                     73,754
<INVESTMENTS-CARRYING>                                          40,491
<INVESTMENTS-MARKET>                                            40,872
<LOANS>                                                        171,677
<ALLOWANCE>                                                      2,787
<TOTAL-ASSETS>                                                 314,169
<DEPOSITS>                                                     273,411
<SHORT-TERM>                                                    11,308
<LIABILITIES-OTHER>                                              2,765
<LONG-TERM>                                                          0
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<COMMON>                                                         1,789
<OTHER-SE>                                                      23,890
<TOTAL-LIABILITIES-AND-EQUITY>                                 314,169
<INTEREST-LOAN>                                                  3,625
<INTEREST-INVEST>                                                1,765
<INTEREST-OTHER>                                                    65
<INTEREST-TOTAL>                                                 5,455
<INTEREST-DEPOSIT>                                               2,245
<INTEREST-EXPENSE>                                               2,320
<INTEREST-INCOME-NET>                                            3,135
<LOAN-LOSSES>                                                      100
<SECURITIES-GAINS>                                                  68
<EXPENSE-OTHER>                                                  2,268
<INCOME-PRETAX>                                                  1,380
<INCOME-PRE-EXTRAORDINARY>                                         977
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                       977
<EPS-PRIMARY>                                                      .68
<EPS-DILUTED>                                                      .68
<YIELD-ACTUAL>                                                    4.67
<LOANS-NON>                                                      1,172
<LOANS-PAST>                                                       324
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                  1,915
<ALLOWANCE-OPEN>                                                 2,670
<CHARGE-OFFS>                                                        2
<RECOVERIES>                                                        19
<ALLOWANCE-CLOSE>                                                2,787
<ALLOWANCE-DOMESTIC>                                             2,787
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                          2,024
        



</TABLE>