<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM ITEM 7 -
"FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA" AND IS QUALIFIED IN ITS ENTIRELY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS INCLUDED IN THIS REPORT AND
INCORPORATED HEREIN BY REFERENCE.
</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>                                          43,024
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                52,793
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    104,614
<INVESTMENTS-CARRYING>                          26,284
<INVESTMENTS-MARKET>                            26,367
<LOANS>                                        252,657
<ALLOWANCE>                                      4,201
<TOTAL-ASSETS>                                 485,194
<DEPOSITS>                                     436,317
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,728
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        41,070
<OTHER-SE>                                       4,079
<TOTAL-LIABILITIES-AND-EQUITY>                 485,194
<INTEREST-LOAN>                                  6,267
<INTEREST-INVEST>                                1,780
<INTEREST-OTHER>                                   945
<INTEREST-TOTAL>                                 8,992
<INTEREST-DEPOSIT>                               3,334
<INTEREST-EXPENSE>                               3,335
<INTEREST-INCOME-NET>                            5,657
<LOAN-LOSSES>                                       17
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,452
<INCOME-PRETAX>                                  2,582
<INCOME-PRE-EXTRAORDINARY>                       2,582
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,514
<EPS-PRIMARY>                                     0.31
<EPS-DILUTED>                                     0.29
<YIELD-ACTUAL>                                     5.2
<LOANS-NON>                                        652
<LOANS-PAST>                                       178
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,223
<CHARGE-OFFS>                                       69
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                4,201
<ALLOWANCE-DOMESTIC>                             4,201
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>