<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH
31, 1998 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          16,403
<INT-BEARING-DEPOSITS>                           3,787
<FED-FUNDS-SOLD>                                11,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    102,190
<INVESTMENTS-CARRYING>                          17,025
<INVESTMENTS-MARKET>                            17,465
<LOANS>                                        140,929
<ALLOWANCE>                                      3,576
<TOTAL-ASSETS>                                 296,154
<DEPOSITS>                                     252,053
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             10,850
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           775
<OTHER-SE>                                      32,476
<TOTAL-LIABILITIES-AND-EQUITY>                 296,154
<INTEREST-LOAN>                                  3,249
<INTEREST-INVEST>                                1,714
<INTEREST-OTHER>                                   300
<INTEREST-TOTAL>                                 5,263
<INTEREST-DEPOSIT>                               2,206
<INTEREST-EXPENSE>                               2,324
<INTEREST-INCOME-NET>                            2,939
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,575
<INCOME-PRETAX>                                  1,967
<INCOME-PRE-EXTRAORDINARY>                       1,348
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,348
<EPS-PRIMARY>                                     4.81
<EPS-DILUTED>                                     4.81
<YIELD-ACTUAL>                                    4.45
<LOANS-NON>                                        361
<LOANS-PAST>                                       897
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     71
<ALLOWANCE-OPEN>                                 3,603
<CHARGE-OFFS>                                       57
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                3,576
<ALLOWANCE-DOMESTIC>                             3,576
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0