<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1998 <CASH> 8937 <INT-BEARING-DEPOSITS> 187424 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 74648 <INVESTMENTS-CARRYING> 3440 <INVESTMENTS-MARKET> 0 <LOANS> 190645 <ALLOWANCE> 2418 <TOTAL-ASSETS> 283328 <DEPOSITS> 220488 <SHORT-TERM> 12621 <LIABILITIES-OTHER> 5493 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25660 <OTHER-SE> 19066 <TOTAL-LIABILITIES-AND-EQUITY> 283328 <INTEREST-LOAN> 4302 <INTEREST-INVEST> 1053 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 5355 <INTEREST-DEPOSIT> 1960 <INTEREST-EXPENSE> 173 <INTEREST-INCOME-NET> 3222 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 609 <EXPENSE-OTHER> 1823 <INCOME-PRETAX> 2261 <INCOME-PRE-EXTRAORDINARY> 2261 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1672 <EPS-PRIMARY> .65 <EPS-DILUTED> .65 <YIELD-ACTUAL> 0 <LOANS-NON> 650 <LOANS-PAST> 475 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2414 <CHARGE-OFFS> 91 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 2418 <ALLOWANCE-DOMESTIC> 2418 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0