<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          26,796
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     28,110
<INVESTMENTS-CARRYING>                          36,755
<INVESTMENTS-MARKET>                            27,007
<LOANS>                                        397,971
<ALLOWANCE>                                      6,191
<TOTAL-ASSETS>                                 521,804
<DEPOSITS>                                     460,742
<SHORT-TERM>                                     4,778
<LIABILITIES-OTHER>                             15,645
<LONG-TERM>                                      2,100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,513
<OTHER-SE>                                      33,026
<TOTAL-LIABILITIES-AND-EQUITY>                  38,539
<INTEREST-LOAN>                                  8,785
<INTEREST-INVEST>                                  921
<INTEREST-OTHER>                                   185
<INTEREST-TOTAL>                                 9,891
<INTEREST-DEPOSIT>                               4,240
<INTEREST-EXPENSE>                               4,459
<INTEREST-INCOME-NET>                            5,432
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 184
<EXPENSE-OTHER>                                  4,769
<INCOME-PRETAX>                                  2,791
<INCOME-PRE-EXTRAORDINARY>                       2,791
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,897
<EPS-PRIMARY>                                      .58
<EPS-DILUTED>                                      .56
<YIELD-ACTUAL>                                    8.87
<LOANS-NON>                                        274
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,468
<ALLOWANCE-OPEN>                                 5,921
<CHARGE-OFFS>                                       57
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                6,191
<ALLOWANCE-DOMESTIC>                             6,191
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,150