<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
STATEMENT OF INCOME AND BALANCE SHEET AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-END>                               MAR-31-1998             MAR-31-1998
<CASH>                                          11,257                       0
<INT-BEARING-DEPOSITS>                              47                       0
<FED-FUNDS-SOLD>                                19,975                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     69,524                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        253,573                       0
<ALLOWANCE>                                      2,803                       0
<TOTAL-ASSETS>                                 364,398                       0
<DEPOSITS>                                     284,021                       0
<SHORT-TERM>                                    12,563                       0
<LIABILITIES-OTHER>                             26,519                       0
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,251                       0
<OTHER-SE>                                      30,044                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 364,398                       0
<INTEREST-LOAN>                                  5,454                   5,454
<INTEREST-INVEST>                                1,120                   1,120
<INTEREST-OTHER>                                   311                     311
<INTEREST-TOTAL>                                 6,885                   6,885
<INTEREST-DEPOSIT>                               2,958                   2,958
<INTEREST-EXPENSE>                               3,719                   3,719
<INTEREST-INCOME-NET>                            3,166                   3,166
<LOAN-LOSSES>                                      123                     123
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  2,168                   2,168
<INCOME-PRETAX>                                  1,287                   1,287
<INCOME-PRE-EXTRAORDINARY>                       1,287                   1,287
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       780                     780
<EPS-PRIMARY>                                     0.62                    0.62
<EPS-DILUTED>                                     0.62                    0.62
<YIELD-ACTUAL>                                    8.10                       0
<LOANS-NON>                                        200                       0
<LOANS-PAST>                                        20                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,731                       0
<CHARGE-OFFS>                                       70                       0
<RECOVERIES>                                        19                       0
<ALLOWANCE-CLOSE>                                2,803                       0
<ALLOWANCE-DOMESTIC>                             1,247                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,556                       0