<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 6,591 <INT-BEARING-DEPOSITS> 5,738 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20,554 <INVESTMENTS-CARRYING> 61,979 <INVESTMENTS-MARKET> 62,655 <LOANS> 190,894 <ALLOWANCE> 2,177 <TOTAL-ASSETS> 295,840 <DEPOSITS> 258,368 <SHORT-TERM> 3,874 <LIABILITIES-OTHER> 4,212 <LONG-TERM> 3,016 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,747 <OTHER-SE> 23,622 <TOTAL-LIABILITIES-AND-EQUITY> 295,840 <INTEREST-LOAN> 4,303 <INTEREST-INVEST> 1,320 <INTEREST-OTHER> 36 <INTEREST-TOTAL> 5,659 <INTEREST-DEPOSIT> 2,804 <INTEREST-EXPENSE> 2,915 <INTEREST-INCOME-NET> 2,743 <LOAN-LOSSES> 53 <SECURITIES-GAINS> 95 <EXPENSE-OTHER> 2,021 <INCOME-PRETAX> 1,189 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 847 <EPS-PRIMARY> .31 <EPS-DILUTED> .31 <YIELD-ACTUAL> 4.16 <LOANS-NON> 1,945 <LOANS-PAST> 242 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,138 <CHARGE-OFFS> 24 <RECOVERIES> 10 <ALLOWANCE-CLOSE> 2,177 <ALLOWANCE-DOMESTIC> 1,301 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 876