<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>                                                         4,059
<INT-BEARING-DEPOSITS>                                        91,035
<FED-FUNDS-SOLD>                                               4,840
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   24,938
<INVESTMENTS-CARRYING>                                             0
<INVESTMENTS-MARKET>                                           3,955
<LOANS>                                                       76,833
<ALLOWANCE>                                                    1,003
<TOTAL-ASSETS>                                               119,538
<DEPOSITS>                                                   103,825
<SHORT-TERM>                                                   2,731
<LIABILITIES-OTHER>                                              170
<LONG-TERM>                                                    2,000
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                       2,827
<OTHER-SE>                                                     7,004
<TOTAL-LIABILITIES-AND-EQUITY>                               119,538
<INTEREST-LOAN>                                                1,741
<INTEREST-INVEST>                                                365
<INTEREST-OTHER>                                                  85
<INTEREST-TOTAL>                                               2,192
<INTEREST-DEPOSIT>                                             1,017
<INTEREST-EXPENSE>                                             1,083
<INTEREST-INCOME-NET>                                          1,109
<LOAN-LOSSES>                                                     (3)
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                  896
<INCOME-PRETAX>                                                  534
<INCOME-PRE-EXTRAORDINARY>                                       534
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     357
<EPS-PRIMARY>                                                   0.21
<EPS-DILUTED>                                                   0.20
<YIELD-ACTUAL>                                                  4.04
<LOANS-NON>                                                      805
<LOANS-PAST>                                                      40
<LOANS-TROUBLED>                                                   9
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                                 987
<CHARGE-OFFS>                                                     10
<RECOVERIES>                                                      29
<ALLOWANCE-CLOSE>                                              1,003
<ALLOWANCE-DOMESTIC>                                           1,003
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0
        

</TABLE>