<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF MARCH 31, 1998 AND THE STATEMENT OF INCOME FOR
THE THREE MONTHS ENDED MARCH 31, 1998, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES THERETO.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          37,976
<INT-BEARING-DEPOSITS>                           9,301
<FED-FUNDS-SOLD>                                28,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     46,849
<INVESTMENTS-CARRYING>                          14,109
<INVESTMENTS-MARKET>                            61,007
<LOANS>                                        291,145
<ALLOWANCE>                                    (5,164)
<TOTAL-ASSETS>                                 447,330
<DEPOSITS>                                     400,988
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,989
<LONG-TERM>                                        111
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        22,810
<OTHER-SE>                                      20,432
<TOTAL-LIABILITIES-AND-EQUITY>                 447,330
<INTEREST-LOAN>                                  7,164
<INTEREST-INVEST>                                1,346
<INTEREST-OTHER>                                    66
<INTEREST-TOTAL>                                 8,576
<INTEREST-DEPOSIT>                               2,422
<INTEREST-EXPENSE>                               2,425
<INTEREST-INCOME-NET>                            6,151
<LOAN-LOSSES>                                      275
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,540
<INCOME-PRETAX>                                  1,571
<INCOME-PRE-EXTRAORDINARY>                       1,571
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,004
<EPS-PRIMARY>                                      .17
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0