<TABLE> <S> <C>


<ARTICLE>       9
<LEGEND>
The schedule contains summary information extracted from the quarterly
report on Form 10-QSB for the quarter ended March 31, 1998 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>

<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                            5729   
<INT-BEARING-DEPOSITS>                            6196   
<FED-FUNDS-SOLD>                                     0   
<TRADING-ASSETS>                                     0   
<INVESTMENTS-HELD-FOR-SALE>                      10446   
<INVESTMENTS-CARRYING>                               0   
<INVESTMENTS-MARKET>                                 0   
<LOANS>                                         182902   
<ALLOWANCE>                                       1502   
<TOTAL-ASSETS>                                  216065   
<DEPOSITS>                                      146240   
<SHORT-TERM>                                     50000   
<LIABILITIES-OTHER>                               1465   
<LONG-TERM>                                        181   
<PREFERRED-MANDATORY>                                0   
<PREFERRED>                                          0   
<COMMON>                                             9   
<OTHER-SE>                                       18170   
<TOTAL-LIABILITIES-AND-EQUITY>                  197886   
<INTEREST-LOAN>                                   3840   
<INTEREST-INVEST>                                  195   
<INTEREST-OTHER>                                    72   
<INTEREST-TOTAL>                                  4107   
<INTEREST-DEPOSIT>                                1609   
<INTEREST-EXPENSE>                                2352   
<INTEREST-INCOME-NET>                             1755   
<LOAN-LOSSES>                                       24   
<SECURITIES-GAINS>                                   0   
<EXPENSE-OTHER>                                   1299   
<INCOME-PRETAX>                                    740   
<INCOME-PRE-EXTRAORDINARY>                         740   
<EXTRAORDINARY>                                      0   
<CHANGES>                                            0   
<NET-INCOME>                                       445   
<EPS-PRIMARY>                                     0.52
<EPS-DILUTED>                                     0.50
<YIELD-ACTUAL>                                    3.49
<LOANS-NON>                                       2249   
<LOANS-PAST>                                         0   
<LOANS-TROUBLED>                                  1400   
<LOANS-PROBLEM>                                   1481   
<ALLOWANCE-OPEN>                                  1478   
<CHARGE-OFFS>                                        0   
<RECOVERIES>                                         0   
<ALLOWANCE-CLOSE>                                 1502   
<ALLOWANCE-DOMESTIC>                              1502   
<ALLOWANCE-FOREIGN>                                  0   
<ALLOWANCE-UNALLOCATED>                            185   
                                                         
                                               

</TABLE>