<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 4,446 <INT-BEARING-DEPOSITS> 78 <FED-FUNDS-SOLD> 4,055 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 33,433 <INVESTMENTS-CARRYING> 33,433 <INVESTMENTS-MARKET> 33,433 <LOANS> 140,570 <ALLOWANCE> 1,463 <TOTAL-ASSETS> 188,154 <DEPOSITS> 167,141 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,732 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 19,081 <TOTAL-LIABILITIES-AND-EQUITY> 188,154 <INTEREST-LOAN> 3,101 <INTEREST-INVEST> 571 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 3,672 <INTEREST-DEPOSIT> 1,867 <INTEREST-EXPENSE> 1,881 <INTEREST-INCOME-NET> 1,791 <LOAN-LOSSES> 120 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,397 <INCOME-PRETAX> 689 <INCOME-PRE-EXTRAORDINARY> 689 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 444 <EPS-PRIMARY> .59 <EPS-DILUTED> .59 <YIELD-ACTUAL> 8.84 <LOANS-NON> 1,625 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,280 <ALLOWANCE-OPEN> 1,402 <CHARGE-OFFS> 166 <RECOVERIES> 106 <ALLOWANCE-CLOSE> 1,463 <ALLOWANCE-DOMESTIC> 1,463 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0