<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at March 31, 1998,  (unaudited) and the Consolidated
Statement of Income for the three months ended March 31, 1998,  (unaudited)  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>                                           3,394         
<INT-BEARING-DEPOSITS>                               0         
<FED-FUNDS-SOLD>                                24,945         
<TRADING-ASSETS>                                     0         
<INVESTMENTS-HELD-FOR-SALE>                     21,301         
<INVESTMENTS-CARRYING>                               0         
<INVESTMENTS-MARKET>                                 0         
<LOANS>                                         67,703         
<ALLOWANCE>                                        943         
<TOTAL-ASSETS>                                 119,437         
<DEPOSITS>                                     106,167         
<SHORT-TERM>                                         0         
<LIABILITIES-OTHER>                                951         
<LONG-TERM>                                          0         
<PREFERRED-MANDATORY>                                0         
<PREFERRED>                                          0         
<COMMON>                                        10,498         
<OTHER-SE>                                       1,821         
<TOTAL-LIABILITIES-AND-EQUITY>                 119,437         
<INTEREST-LOAN>                                  1,481         
<INTEREST-INVEST>                                  383         
<INTEREST-OTHER>                                   286         
<INTEREST-TOTAL>                                 2,150         
<INTEREST-DEPOSIT>                               1,066         
<INTEREST-EXPENSE>                               1,066         
<INTEREST-INCOME-NET>                            1,084         
<LOAN-LOSSES>                                       65         
<SECURITIES-GAINS>                                   0         
<EXPENSE-OTHER>                                    484         
<INCOME-PRETAX>                                    665         
<INCOME-PRE-EXTRAORDINARY>                         428         
<EXTRAORDINARY>                                      0         
<CHANGES>                                            0         
<NET-INCOME>                                       428         
<EPS-PRIMARY>                                      .48         
<EPS-DILUTED>                                      .46         
<YIELD-ACTUAL>                                    3.87         
<LOANS-NON>                                         82         
<LOANS-PAST>                                         4         
<LOANS-TROUBLED>                                     0         
<LOANS-PROBLEM>                                    484         
<ALLOWANCE-OPEN>                                   890         
<CHARGE-OFFS>                                       16         
<RECOVERIES>                                         4         
<ALLOWANCE-CLOSE>                                  943         
<ALLOWANCE-DOMESTIC>                               943         
<ALLOWANCE-FOREIGN>                                  0         
<ALLOWANCE-UNALLOCATED>                              0         
        

</TABLE>