<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS INCLUDED WITHIN THE COMPANY'S MARCH 31, 1998
FORM 10-Q 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-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           6,815
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                12,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,347
<INVESTMENTS-CARRYING>                           7,571
<INVESTMENTS-MARKET>                             7,790
<LOANS>                                        214,184
<ALLOWANCE>                                      2,589
<TOTAL-ASSETS>                                 257,605
<DEPOSITS>                                     219,428
<SHORT-TERM>                                     2,438
<LIABILITIES-OTHER>                              1,920
<LONG-TERM>                                     15,848
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            14
<OTHER-SE>                                      17,957
<TOTAL-LIABILITIES-AND-EQUITY>                 257,605
<INTEREST-LOAN>                                  4,481
<INTEREST-INVEST>                                  279
<INTEREST-OTHER>                                   124
<INTEREST-TOTAL>                                 4,884
<INTEREST-DEPOSIT>                               2,086
<INTEREST-EXPENSE>                               2,376
<INTEREST-INCOME-NET>                            2,508
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,341
<INCOME-PRETAX>                                    537
<INCOME-PRE-EXTRAORDINARY>                         537
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       347
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                      .23
<YIELD-ACTUAL>                                    4.16
<LOANS-NON>                                      4,297
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    994
<ALLOWANCE-OPEN>                                 2,560
<CHARGE-OFFS>                                       83
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                2,589
<ALLOWANCE-DOMESTIC>                             2,589
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>