<TABLE> <S> <C>

<ARTICLE>                                          9
<MULTIPLIER>                                   1,000
       
<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>                                21,378        18,194
<INT-BEARING-DEPOSITS>                 1,077         1,072
<FED-FUNDS-SOLD>                      10,900        13,400
<TRADING-ASSETS>                           0             0
<INVESTMENTS-HELD-FOR-SALE>          126,583        89,374
<INVESTMENTS-CARRYING>                27,236        28,906
<INVESTMENTS-MARKET>                  27,313        28,464
<LOANS>                              349,047       308,043
<ALLOWANCE>                            5,610         5,672
<TOTAL-ASSETS>                       547,660       468,986
<DEPOSITS>                           487,971       428,996
<SHORT-TERM>                          18,447         1,370
<LIABILITIES-OTHER>                    6,126         8,761
<LONG-TERM>                              210           210
<PREFERRED-MANDATORY>                      0             0
<PREFERRED>                                0             0
<COMMON>                               3,604         3,577
<OTHER-SE>                            31,311        26,072
<TOTAL-LIABILITIES-AND-EQUITY>       547,669       468,986
<INTEREST-LOAN>                        7,305         6,660
<INTEREST-INVEST>                      2,476         1,809
<INTEREST-OTHER>                         129            87
<INTEREST-TOTAL>                       9,910         8,556
<INTEREST-DEPOSIT>                     4,334         3,735
<INTEREST-EXPENSE>                     4,513         3,755
<INTEREST-INCOME-NET>                  5,397         4,801
<LOAN-LOSSES>                             90             0
<SECURITIES-GAINS>                         0             0
<EXPENSE-OTHER>                        4,579         4,282
<INCOME-PRETAX>                        1,634         1,326
<INCOME-PRE-EXTRAORDINARY>             1,132           902
<EXTRAORDINARY>                            0             0
<CHANGES>                                  0             0
<NET-INCOME>                           1,132           902
<EPS-PRIMARY>                           0.31          0.24
<EPS-DILUTED>                           0.30          0.24
<YIELD-ACTUAL>                          4.33          4.56
<LOANS-NON>                            2,077         1,524
<LOANS-PAST>                             574            67
<LOANS-TROUBLED>                           0             0
<LOANS-PROBLEM>                            0             0
<ALLOWANCE-OPEN>                       5,580         5,696
<CHARGE-OFFS>                            192           107
<RECOVERIES>                             132            83
<ALLOWANCE-CLOSE>                      5,610         5,672
<ALLOWANCE-DOMESTIC>                   5,610         5,672
<ALLOWANCE-FOREIGN>                        0             0
<ALLOWANCE-UNALLOCATED>                    0             0
        

</TABLE>