<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from the Consolidated
Balance Sheet at March 31, 1998 (unaudited) and the Consolidated
Statement of Income for the Three Months Ended March 31, 1998 (unaudited)
and is qualified in its entirity by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                            6469
<INT-BEARING-DEPOSITS>                            2980
<FED-FUNDS-SOLD>                                  4730
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      27841
<INVESTMENTS-CARRYING>                             792
<INVESTMENTS-MARKET>                               792
<LOANS>                                         116403
<ALLOWANCE>                                       1742
<TOTAL-ASSETS>                                  162052
<DEPOSITS>                                      142268
<SHORT-TERM>                                      3814
<LIABILITIES-OTHER>                               2119
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          1442
<OTHER-SE>                                       12409
<TOTAL-LIABILITIES-AND-EQUITY>                  162052
<INTEREST-LOAN>                                   3009
<INTEREST-INVEST>                                  430
<INTEREST-OTHER>                                   110
<INTEREST-TOTAL>                                  3549
<INTEREST-DEPOSIT>                                1631
<INTEREST-EXPENSE>                                1686
<INTEREST-INCOME-NET>                             1863
<LOAN-LOSSES>                                       50
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   1545
<INCOME-PRETAX>                                    650
<INCOME-PRE-EXTRAORDINARY>                         650
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       415
<EPS-PRIMARY>                                      .29
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                    5.03
<LOANS-NON>                                          0
<LOANS-PAST>                                        75
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1728
<CHARGE-OFFS>                                       73
<RECOVERIES>                                        37
<ALLOWANCE-CLOSE>                                 1742
<ALLOWANCE-DOMESTIC>                              1742
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0