<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                                      1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                               3,600
<INT-BEARING-DEPOSITS>                                 390
<FED-FUNDS-SOLD>                                    19,500
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         27,167
<INVESTMENTS-CARRYING>                             142,951
<INVESTMENTS-MARKET>                               143,447
<LOANS>                                            149,656
<ALLOWANCE>                                          1,209
<TOTAL-ASSETS>                                     355,443
<DEPOSITS>                                         233,848
<SHORT-TERM>                                        49,877
<LIABILITIES-OTHER>                                  1,466
<LONG-TERM>                                         34,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               304
<OTHER-SE>                                          35,949
<TOTAL-LIABILITIES-AND-EQUITY>                     355,443
<INTEREST-LOAN>                                      2,790
<INTEREST-INVEST>                                    2,818
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     5,608
<INTEREST-DEPOSIT>                                   2,600
<INTEREST-EXPENSE>                                     918
<INTEREST-INCOME-NET>                                2,090
<LOAN-LOSSES>                                           60
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,387
<INCOME-PRETAX>                                        705
<INCOME-PRE-EXTRAORDINARY>                             459
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           459
<EPS-PRIMARY>                                         0.20
<EPS-DILUTED>                                         0.19
<YIELD-ACTUAL>                                        2.59
<LOANS-NON>                                            955
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      3,912
<ALLOWANCE-OPEN>                                     1,168
<CHARGE-OFFS>                                           18
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,209
<ALLOWANCE-DOMESTIC>                                 1,209
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,209
        

</TABLE>