<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>                                                 17,868
<INT-BEARING-DEPOSITS>                                      0
<FED-FUNDS-SOLD>                                       24,400
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                            60,577
<INVESTMENTS-CARRYING>                                 46,552
<INVESTMENTS-MARKET>                                   46,963
<LOANS>                                               419,121
<ALLOWANCE>                                             5,089
<TOTAL-ASSETS>                                        579,393
<DEPOSITS>                                            495,599
<SHORT-TERM>                                           17,303
<LIABILITIES-OTHER>                                     5,312
<LONG-TERM>                                             9,852
<COMMON>                                                4,811
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<OTHER-SE>                                             46,516
<TOTAL-LIABILITIES-AND-EQUITY>                        579,393
<INTEREST-LOAN>                                         8,742
<INTEREST-INVEST>                                       1,632
<INTEREST-OTHER>                                          250
<INTEREST-TOTAL>                                       10,624
<INTEREST-DEPOSIT>                                      3,774
<INTEREST-EXPENSE>                                      4,129
<INTEREST-INCOME-NET>                                   6,495
<LOAN-LOSSES>                                             210
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                         4,206
<INCOME-PRETAX>                                         2,980
<INCOME-PRE-EXTRAORDINARY>                              2,980
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                            1,922
<EPS-PRIMARY>                                            0.30
<EPS-DILUTED>                                            0.30
<YIELD-ACTUAL>                                           4.72
<LOANS-NON>                                             1,867
<LOANS-PAST>                                                0
<LOANS-TROUBLED>                                          573
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                        4,893
<CHARGE-OFFS>                                              42
<RECOVERIES>                                               28
<ALLOWANCE-CLOSE>                                       5,089
<ALLOWANCE-DOMESTIC>                                    5,089
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                   865
        


</TABLE>