<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                          13,236                  13,819
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 6,400                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     68,364                  48,022
<INVESTMENTS-CARRYING>                          22,764                  32,540
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        259,870                 214,560
<ALLOWANCE>                                      3,197                   2,446
<TOTAL-ASSETS>                                 392,011                 323,400
<DEPOSITS>                                     309,831                 256,875
<SHORT-TERM>                                    22,621                  25,420
<LIABILITIES-OTHER>                              5,980                   4,478
<LONG-TERM>                                     17,900                   6,457
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                           771                     743
<OTHER-SE>                                      34,924                  29,427
<TOTAL-LIABILITIES-AND-EQUITY>                 392,011                 323,400
<INTEREST-LOAN>                                  5,730                   4,886
<INTEREST-INVEST>                                1,247                   1,261
<INTEREST-OTHER>                                    94                      58
<INTEREST-TOTAL>                                 7,071                   6,205
<INTEREST-DEPOSIT>                               3,081                   2,689
<INTEREST-EXPENSE>                               3,392                   2,982
<INTEREST-INCOME-NET>                            3,679                   3,223
<LOAN-LOSSES>                                      210                     160
<SECURITIES-GAINS>                                  26                      13
<EXPENSE-OTHER>                                  2,869                   2,514
<INCOME-PRETAX>                                  1,676                   1,550
<INCOME-PRE-EXTRAORDINARY>                       1,108                   1,013
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,108                   1,013
<EPS-PRIMARY>                                     1.46                    1.37
<EPS-DILUTED>                                     1.46                    1.37
<YIELD-ACTUAL>                                    4.12                    4.37
<LOANS-NON>                                        418                   1,069
<LOANS-PAST>                                       472                   1,152
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  4,869                   3,228
<ALLOWANCE-OPEN>                                 3,159                   2,282
<CHARGE-OFFS>                                      248                      39
<RECOVERIES>                                        76                      33
<ALLOWANCE-CLOSE>                                3,197                   2,446
<ALLOWANCE-DOMESTIC>                             3,197                   2,446
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0