<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1998 <CASH> 6,702 <INT-BEARING-DEPOSITS> 128 <FED-FUNDS-SOLD> 7,998 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 49,242 <INVESTMENTS-CARRYING> 49,242 <INVESTMENTS-MARKET> 49,242 <LOANS> 133,202 <ALLOWANCE> 1,846 <TOTAL-ASSETS> 204,157 <DEPOSITS> 170,767 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,022 <LONG-TERM> 11,886 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 214 <OTHER-SE> 18,482 <TOTAL-LIABILITIES-AND-EQUITY> 204,157 <INTEREST-LOAN> 2,905 <INTEREST-INVEST> 735 <INTEREST-OTHER> 91 <INTEREST-TOTAL> 3,731 <INTEREST-DEPOSIT> 1,560 <INTEREST-EXPENSE> 1,706 <INTEREST-INCOME-NET> 2,025 <LOAN-LOSSES> 75 <SECURITIES-GAINS> (10) <EXPENSE-OTHER> 1,540 <INCOME-PRETAX> 887 <INCOME-PRE-EXTRAORDINARY> 642 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 642 <EPS-PRIMARY> .63 <EPS-DILUTED> .63 <YIELD-ACTUAL> 4.71 <LOANS-NON> 597 <LOANS-PAST> 1,184 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,767 <CHARGE-OFFS> 7 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 1,846 <ALLOWANCE-DOMESTIC> 1,846 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0