<ARTICLE> 9
<MULTIPLIER>  1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         12,742
<INT-BEARING-DEPOSITS>                        402,592
<FED-FUNDS-SOLD>                               16,814
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    20,629
<INVESTMENTS-CARRYING>                         84,157
<INVESTMENTS-MARKET>                           84,281
<LOANS>                                       369,705 
<ALLOWANCE>                                     4,134
<TOTAL-ASSETS>                                526,529
<DEPOSITS>                                    426,729
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                             7,907
<LONG-TERM>                                    49,331
<COMMON>                                        1,946
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<OTHER-SE>                                     40,616
<TOTAL-LIABILITIES-AND-EQUITY>                526,529
<INTEREST-LOAN>                                 7,344
<INTEREST-INVEST>                               1,723
<INTEREST-OTHER>                                  117
<INTEREST-TOTAL>                                9,184
<INTEREST-DEPOSIT>                              4,030
<INTEREST-EXPENSE>                              4,762
<INTEREST-INCOME-NET>                           4,422
<LOAN-LOSSES>                                      57
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 3,033
<INCOME-PRETAX>                                 1,938
<INCOME-PRE-EXTRAORDINARY>                      1,180
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    1,180
<EPS-PRIMARY>                                    0.61
<EPS-DILUTED>                                    0.58
<YIELD-ACTUAL>                                   3.56
<LOANS-NON>                                     2,861
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                 5,139
<ALLOWANCE-OPEN>                                4,100
<CHARGE-OFFS>                                      70
<RECOVERIES>                                       47
<ALLOWANCE-CLOSE>                               4,134
<ALLOWANCE-DOMESTIC>                            4,134
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0