<TABLE> <S> <C>



<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                           7,207                   8,459
<INT-BEARING-DEPOSITS>                               0                     410
<FED-FUNDS-SOLD>                                     0                     550
<TRADING-ASSETS>                                 4,997                   2,785
<INVESTMENTS-HELD-FOR-SALE>                     90,685                  47,000
<INVESTMENTS-CARRYING>                               0                  24,038
<INVESTMENTS-MARKET>                                 0                  23,648
<LOANS>                                        160,616                 163,189
<ALLOWANCE>                                      2,709                   2,250
<TOTAL-ASSETS>                                 291,589                 257,861
<DEPOSITS>                                     232,011                 225,754
<SHORT-TERM>                                    14,184                   2,023
<LIABILITIES-OTHER>                                917                   1,529
<LONG-TERM>                                     19,735                   6,684
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         8,992                   8,096
<OTHER-SE>                                      15,771                  13,775
<TOTAL-LIABILITIES-AND-EQUITY>                 291,589                  21,871
<INTEREST-LOAN>                                  3,860                   4,001
<INTEREST-INVEST>                                1,376                   1,003
<INTEREST-OTHER>                                   196                      34
<INTEREST-TOTAL>                                 5,432                   5,038
<INTEREST-DEPOSIT>                               2,346                   2,331
<INTEREST-EXPENSE>                               2,856                   2,514
<INTEREST-INCOME-NET>                            2,575                   2,523
<LOAN-LOSSES>                                      106                     180
<SECURITIES-GAINS>                                 724                     (3)
<EXPENSE-OTHER>                                  2,474                   2,303
<INCOME-PRETAX>                                  1,446                     817
<INCOME-PRE-EXTRAORDINARY>                           0                     817
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,034                     667
<EPS-PRIMARY>                                     0.58                    0.37
<EPS-DILUTED>                                     0.56                    0.36
<YIELD-ACTUAL>                                    8.26                    4.45
<LOANS-NON>                                      1,489                     872
<LOANS-PAST>                                         0                     650
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,539                   2,100
<CHARGE-OFFS>                                       12                      33
<RECOVERIES>                                        76                       3
<ALLOWANCE-CLOSE>                                2,709                   2,250
<ALLOWANCE-DOMESTIC>                             2,382                   2,250
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            327                     270
        





</TABLE>