<TABLE> <S> <C>


<ARTICLE>                                                9                
<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>                                               2,967
<INT-BEARING-DEPOSITS>                               1,929
<FED-FUNDS-SOLD>                                     1,100
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          4,254
<INVESTMENTS-CARRYING>                               8,703
<INVESTMENTS-MARKET>                                 8,277
<LOANS>                                            108,659
<ALLOWANCE>                                          1,103
<TOTAL-ASSETS>                                     133,848
<DEPOSITS>                                         113,621
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  1,966
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 0
<OTHER-SE>                                          18,261
<TOTAL-LIABILITIES-AND-EQUITY>                     133,848
<INTEREST-LOAN>                                      2,280
<INTEREST-INVEST>                                      184
<INTEREST-OTHER>                                        66
<INTEREST-TOTAL>                                     2,530
<INTEREST-DEPOSIT>                                   1,194
<INTEREST-EXPENSE>                                   1,228
<INTEREST-INCOME-NET>                                1,302
<LOAN-LOSSES>                                           75
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,016
<INCOME-PRETAX>                                        515
<INCOME-PRE-EXTRAORDINARY>                             515
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           321
<EPS-PRIMARY>                                          .29
<EPS-DILUTED>                                          .28
<YIELD-ACTUAL>                                        4.15
<LOANS-NON>                                            745
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,160
<CHARGE-OFFS>                                          171
<RECOVERIES>                                            39
<ALLOWANCE-CLOSE>                                    1,103
<ALLOWANCE-DOMESTIC>                                    23
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,080
        


</TABLE>