<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 11242 <INT-BEARING-DEPOSITS> 22 <FED-FUNDS-SOLD> 179 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 21300 <INVESTMENTS-CARRYING> 38484 <INVESTMENTS-MARKET> 38598 <LOANS> 239311 <ALLOWANCE> 2852 <TOTAL-ASSETS> 316461 <DEPOSITS> 276770 <SHORT-TERM> 12717 <LIABILITIES-OTHER> 1659 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 25315 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 316461 <INTEREST-LOAN> 4979 <INTEREST-INVEST> 827 <INTEREST-OTHER> 36 <INTEREST-TOTAL> 5842 <INTEREST-DEPOSIT> 2499 <INTEREST-EXPENSE> 2579 <INTEREST-INCOME-NET> 3263 <LOAN-LOSSES> 19 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2455 <INCOME-PRETAX> 1397 <INCOME-PRE-EXTRAORDINARY> 1397 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 839 <EPS-PRIMARY> 0.22 <EPS-DILUTED> 0.22 <YIELD-ACTUAL> 4.49 <LOANS-NON> 635 <LOANS-PAST> 223 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 858 <ALLOWANCE-OPEN> 2848 <CHARGE-OFFS> 58 <RECOVERIES> 43 <ALLOWANCE-CLOSE> 2852 <ALLOWANCE-DOMESTIC> 2852 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0