<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         5884000
<INT-BEARING-DEPOSITS>                         1589000
<FED-FUNDS-SOLD>                              14800000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   14341000
<INVESTMENTS-CARRYING>                        30910000
<INVESTMENTS-MARKET>                          31116000
<LOANS>                                       60801000
<ALLOWANCE>                                     641000
<TOTAL-ASSETS>                               132000000
<DEPOSITS>                                    93925000
<SHORT-TERM>                                   5000000
<LIABILITIES-OTHER>                            1187000
<LONG-TERM>                                   17939000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       4718000
<OTHER-SE>                                     9231000
<TOTAL-LIABILITIES-AND-EQUITY>               132000000
<INTEREST-LOAN>                                1558000
<INTEREST-INVEST>                               748000
<INTEREST-OTHER>                                104000
<INTEREST-TOTAL>                               2410000
<INTEREST-DEPOSIT>                              717000
<INTEREST-EXPENSE>                             1069000
<INTEREST-INCOME-NET>                          1341000
<LOAN-LOSSES>                                    51000
<SECURITIES-GAINS>                               51000
<EXPENSE-OTHER>                                 776000
<INCOME-PRETAX>                                 673000
<INCOME-PRE-EXTRAORDINARY>                      417000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    417000
<EPS-PRIMARY>                                     0.25
<EPS-DILUTED>                                     0.23
<YIELD-ACTUAL>                                     8.1
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 259000
<ALLOWANCE-OPEN>                                578000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                     12000
<ALLOWANCE-CLOSE>                               641000
<ALLOWANCE-DOMESTIC>                            225000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         416000