<TABLE> <S> <C>


<ARTICLE>                                      9
<MULTIPLIER>                                   1
       
<S>                             <C>                                
<PERIOD-TYPE>                   3-MOS                              
<FISCAL-YEAR-END>                          DEC-31-1998             
<PERIOD-START>                             JAN-01-1998             
<PERIOD-END>                               MAR-31-1998             
<CASH>                                             3,983,924        
<INT-BEARING-DEPOSITS>                               435,841        
<FED-FUNDS-SOLD>                                   5,341,000        
<TRADING-ASSETS>                                           0        
<INVESTMENTS-HELD-FOR-SALE>                       64,614,205        
<INVESTMENTS-CARRYING>                            11,920,110        
<INVESTMENTS-MARKET>                              11,911,845        
<LOANS>                                          113,248,541        
<ALLOWANCE>                                        1,420,084        
<TOTAL-ASSETS>                                   204,324,567        
<DEPOSITS>                                       163,394,341        
<SHORT-TERM>                                       9,722,423        
<LIABILITIES-OTHER>                                3,948,491        
<LONG-TERM>                                       16,500,000        
<PREFERRED-MANDATORY>                                      0        
<PREFERRED>                                                0        
<COMMON>                                           7,996,781        
<OTHER-SE>                                         2,762,531        
<TOTAL-LIABILITIES-AND-EQUITY>                   204,324,567        
<INTEREST-LOAN>                                    2,499,472        
<INTEREST-INVEST>                                  1,192,940        
<INTEREST-OTHER>                                      39,745        
<INTEREST-TOTAL>                                   3,732,157        
<INTEREST-DEPOSIT>                                 1,664,203        
<INTEREST-EXPENSE>                                   425,157        
<INTEREST-INCOME-NET>                              1,642,797        
<LOAN-LOSSES>                                        114,000        
<SECURITIES-GAINS>                                    27,206        
<EXPENSE-OTHER>                                    1,048,549        
<INCOME-PRETAX>                                      556,205        
<INCOME-PRE-EXTRAORDINARY>                           374,705        
<EXTRAORDINARY>                                            0        
<CHANGES>                                                  0        
<NET-INCOME>                                         374,705        
<EPS-PRIMARY>                                           0.14       
<EPS-DILUTED>                                           0.13       
<YIELD-ACTUAL>                                          8.13       
<LOANS-NON>                                          182,734        
<LOANS-PAST>                                          20,913        
<LOANS-TROUBLED>                                           0        
<LOANS-PROBLEM>                                      182,734        
<ALLOWANCE-OPEN>                                   1,360,148                                 
<CHARGE-OFFS>                                         54,064                                 
<RECOVERIES>                                               0                                 
<ALLOWANCE-CLOSE>                                  1,420,084                                 
<ALLOWANCE-DOMESTIC>                               1,420,084                                 
<ALLOWANCE-FOREIGN>                                        0                                 
<ALLOWANCE-UNALLOCATED>                               43,961                                 
        

</TABLE>