<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