<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FIRST
QUARTER 1998 10-Q AND IS QUALIFIED IN ITS ENTIRETY 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>                                           1,861
<INT-BEARING-DEPOSITS>                          20,730
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          55,755
<INVESTMENTS-MARKET>                            55,880
<LOANS>                                        106,811
<ALLOWANCE>                                      1,188
<TOTAL-ASSETS>                                 197,271
<DEPOSITS>                                     147,849
<SHORT-TERM>                                    16,325
<LIABILITIES-OTHER>                              2,981
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        28,002
<OTHER-SE>                                       2,114
<TOTAL-LIABILITIES-AND-EQUITY>                 197,271
<INTEREST-LOAN>                                  1,953
<INTEREST-INVEST>                                  647
<INTEREST-OTHER>                                   215
<INTEREST-TOTAL>                                 2,815
<INTEREST-DEPOSIT>                               1,240
<INTEREST-EXPENSE>                               1,443
<INTEREST-INCOME-NET>                            1,372
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                 (6)
<EXPENSE-OTHER>                                  1,049
<INCOME-PRETAX>                                    790
<INCOME-PRE-EXTRAORDINARY>                         790
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       495
<EPS-PRIMARY>                                      .40
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    2.99
<LOANS-NON>                                          4
<LOANS-PAST>                                       281
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    173
<ALLOWANCE-OPEN>                                   846
<CHARGE-OFFS>                                        5
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,188
<ALLOWANCE-DOMESTIC>                             1,188
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0