<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 11196 <INT-BEARING-DEPOSITS> 324 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 59355 <INVESTMENTS-CARRYING> 25573 <INVESTMENTS-MARKET> 25836 <LOANS> 248275 <ALLOWANCE> 3306 <TOTAL-ASSETS> 355633 <DEPOSITS> 285234 <SHORT-TERM> 18636 <LIABILITIES-OTHER> 3633 <LONG-TERM> 10558 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3045 <OTHER-SE> 34257 <TOTAL-LIABILITIES-AND-EQUITY> 355633 <INTEREST-LOAN> 5506 <INTEREST-INVEST> 1219 <INTEREST-OTHER> 4 <INTEREST-TOTAL> 6729 <INTEREST-DEPOSIT> 2665 <INTEREST-EXPENSE> 451 <INTEREST-INCOME-NET> 3613 <LOAN-LOSSES> 365 <SECURITIES-GAINS> 299 <EXPENSE-OTHER> 2895 <INCOME-PRETAX> 1627 <INCOME-PRE-EXTRAORDINARY> 1627 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1233 <EPS-PRIMARY> .45 <EPS-DILUTED> .45 <YIELD-ACTUAL> 8.38 <LOANS-NON> 1778 <LOANS-PAST> 126 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3304 <CHARGE-OFFS> 365 <RECOVERIES> 16 <ALLOWANCE-CLOSE> 3306 <ALLOWANCE-DOMESTIC> 3306 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 454