<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          15,466
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                10,250
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     56,615
<INVESTMENTS-CARRYING>                          52,979
<INVESTMENTS-MARKET>                            53,518
<LOANS>                                        232,650
<ALLOWANCE>                                      1,904
<TOTAL-ASSETS>                                 375,020
<DEPOSITS>                                     329,761
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                              2,221
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      32,259
<TOTAL-LIABILITIES-AND-EQUITY>                 375,020
<INTEREST-LOAN>                                  5,077
<INTEREST-INVEST>                                1,713
<INTEREST-OTHER>                                   136
<INTEREST-TOTAL>                                 6,926
<INTEREST-DEPOSIT>                               3,315
<INTEREST-EXPENSE>                               3,405
<INTEREST-INCOME-NET>                            3,521
<LOAN-LOSSES>                                       96
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,747
<INCOME-PRETAX>                                  1,713
<INCOME-PRE-EXTRAORDINARY>                       1,147
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,147
<EPS-PRIMARY>                                      .27
<EPS-DILUTED>                                      .27
<YIELD-ACTUAL>                                    4.09
<LOANS-NON>                                      2,644
<LOANS-PAST>                                        96
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,842
<CHARGE-OFFS>                                       99
<RECOVERIES>                                        65
<ALLOWANCE-CLOSE>                                1,904
<ALLOWANCE-DOMESTIC>                             1,584
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            320
        

</TABLE>