<ARTICLE> 9
<LEGEND>
THIS SCHEDULE OF FINANCIAL INFORMATION IS EXTRACTED FROM THE MARCH 31,1998
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-Q
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          12,739
<INT-BEARING-DEPOSITS>                          11,568
<FED-FUNDS-SOLD>                                 6,355
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     69,198
<INVESTMENTS-CARRYING>                          72,601
<INVESTMENTS-MARKET>                            73,379
<LOANS>                                        223,295
<ALLOWANCE>                                      2,586
<TOTAL-ASSETS>                                 405,021
<DEPOSITS>                                     344,593
<SHORT-TERM>                                       319
<LIABILITIES-OTHER>                              4,742
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,482
<OTHER-SE>                                      45,885
<TOTAL-LIABILITIES-AND-EQUITY>                 405,021
<INTEREST-LOAN>                                  5,154
<INTEREST-INVEST>                                2,174
<INTEREST-OTHER>                                   243
<INTEREST-TOTAL>                                 7,571
<INTEREST-DEPOSIT>                               3,293
<INTEREST-EXPENSE>                               3,296
<INTEREST-INCOME-NET>                            4,275
<LOAN-LOSSES>                                       21
<SECURITIES-GAINS>                                  13
<EXPENSE-OTHER>                                  2,696
<INCOME-PRETAX>                                  2,224
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,608
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0