<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED MARCH 31, 1998 AS PRESENTED IN ITS FIRST QUARTER 1998 FORM 10-Q AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          27,079
<INT-BEARING-DEPOSITS>                           1,672
<FED-FUNDS-SOLD>                                14,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    201,287
<INVESTMENTS-CARRYING>                           8,723
<INVESTMENTS-MARKET>                             8,723
<LOANS>                                        292,569
<ALLOWANCE>                                      4,197
<TOTAL-ASSETS>                                 568,874
<DEPOSITS>                                     461,289
<SHORT-TERM>                                    21,787
<LIABILITIES-OTHER>                             13,293
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,750
<OTHER-SE>                                      51,755
<TOTAL-LIABILITIES-AND-EQUITY>                 568,874
<INTEREST-LOAN>                                  6,602
<INTEREST-INVEST>                                3,085
<INTEREST-OTHER>                                   243
<INTEREST-TOTAL>                                 9,930
<INTEREST-DEPOSIT>                               3,733
<INTEREST-EXPENSE>                               4,169
<INTEREST-INCOME-NET>                            5,761
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                 147
<EXPENSE-OTHER>                                  4,932
<INCOME-PRETAX>                                  2,621
<INCOME-PRE-EXTRAORDINARY>                       1,748
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,748
<EPS-PRIMARY>                                      .85
<EPS-DILUTED>                                      .85
<YIELD-ACTUAL>                                    4.60
<LOANS-NON>                                      1,045
<LOANS-PAST>                                       938
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,145
<CHARGE-OFFS>                                      180
<RECOVERIES>                                        32
<ALLOWANCE-CLOSE>                                4,197
<ALLOWANCE-DOMESTIC>                             2,185
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,012