<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM ITEM 7 - "FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA" AND IS QUALIFIED IN ITS ENTIRELY BY REFERENCE TO SUCH FINANCIAL STATEMENTS INCLUDED IN THIS REPORT AND INCORPORATED HEREIN BY REFERENCE. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 43,024 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 52,793 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 104,614 <INVESTMENTS-CARRYING> 26,284 <INVESTMENTS-MARKET> 26,367 <LOANS> 252,657 <ALLOWANCE> 4,201 <TOTAL-ASSETS> 485,194 <DEPOSITS> 436,317 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,728 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 41,070 <OTHER-SE> 4,079 <TOTAL-LIABILITIES-AND-EQUITY> 485,194 <INTEREST-LOAN> 6,267 <INTEREST-INVEST> 1,780 <INTEREST-OTHER> 945 <INTEREST-TOTAL> 8,992 <INTEREST-DEPOSIT> 3,334 <INTEREST-EXPENSE> 3,335 <INTEREST-INCOME-NET> 5,657 <LOAN-LOSSES> 17 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,452 <INCOME-PRETAX> 2,582 <INCOME-PRE-EXTRAORDINARY> 2,582 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,514 <EPS-PRIMARY> 0.31 <EPS-DILUTED> 0.29 <YIELD-ACTUAL> 5.2 <LOANS-NON> 652 <LOANS-PAST> 178 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,223 <CHARGE-OFFS> 69 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 4,201 <ALLOWANCE-DOMESTIC> 4,201 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0