<TABLE> <S> <C>

<ARTICLE>         9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB FOR THE FISCAL QUARTER ENDED MARCH 31, 1998
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>    1,000
       
<S>                                         <C>                  <C>
<PERIOD-TYPE>                                   3-MOS                  3-MOS
<FISCAL-YEAR-END>                           Dec-31-1998             Dec-31-1997
<PERIOD-END>                                Mar-31-1998             Mar-31-1997
<CASH>                                            1,249                     535
<INT-BEARING-DEPOSITS>                            1,784                   1,167
<FED-FUNDS-SOLD>                                      0                       0
<TRADING-ASSETS>                                      0                       0
<INVESTMENTS-HELD-FOR-SALE>                      39,391                  27,359
<INVESTMENTS-CARRYING>                           17,845                  21,537
<INVESTMENTS-MARKET>                             18,105                  21,441
<LOANS>                                          91,512                  82,603
<ALLOWANCE>                                         460                     698
<TOTAL-ASSETS>                                  158,661                 139,006
<DEPOSITS>                                      105,486                 104,444
<SHORT-TERM>                                     19,000                   3,000
<LIABILITIES-OTHER>                               1,241                     920
<LONG-TERM>                                      22,000                  21,000
<COMMON>                                         10,934                   9,642
<PREFERRED-MANDATORY>                                 0                       0
<PREFERRED>                                           0                       0
<OTHER-SE>                                            0                       0
<TOTAL-LIABILITIES-AND-EQUITY>                  158,661                 139,006
<INTEREST-LOAN>                                   1,848                   1,659
<INTEREST-INVEST>                                   963                     885
<INTEREST-OTHER>                                      0                       0
<INTEREST-TOTAL>                                  2,811                   2,544
<INTEREST-DEPOSIT>                                1,230                   1,216
<INTEREST-EXPENSE>                                1,771                   1,568
<INTEREST-INCOME-NET>                             1,040                     976
<LOAN-LOSSES>                                        12                      12
<SECURITIES-GAINS>                                   36                       0
<EXPENSE-OTHER>                                     692                     659
<INCOME-PRETAX>                                     460                     392
<INCOME-PRE-EXTRAORDINARY>                          460                     392
<EXTRAORDINARY>                                       0                       0
<CHANGES>                                             0                       0
<NET-INCOME>                                        311                     247
<EPS-PRIMARY>                                      0.30                    0.24
<EPS-DILUTED>                                      0.28                    0.22
<YIELD-ACTUAL>                                     2.80                    2.87
<LOANS-NON>                                         384                   1,139
<LOANS-PAST>                                          0                       0
<LOANS-TROUBLED>                                      0                       0
<LOANS-PROBLEM>                                       0                       0
<ALLOWANCE-OPEN>                                    568                     686
<CHARGE-OFFS>                                       120                       0
<RECOVERIES>                                          0                       0
<ALLOWANCE-CLOSE>                                   460                     698
<ALLOWANCE-DOMESTIC>                                364                     544
<ALLOWANCE-FOREIGN>                                   0                       0
<ALLOWANCE-UNALLOCATED>                              96                     154
        



</TABLE>