<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 7,427 <INT-BEARING-DEPOSITS> 3,285 <FED-FUNDS-SOLD> 4,071 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,058 <INVESTMENTS-CARRYING> 54,717 <INVESTMENTS-MARKET> 55,985 <LOANS> 184,603 <ALLOWANCE> 2,430 <TOTAL-ASSETS> 285,597 <DEPOSITS> 238,415 <SHORT-TERM> 6,276 <LIABILITIES-OTHER> 1,328 <LONG-TERM> 11,036 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,262 <OTHER-SE> 20,281 <TOTAL-LIABILITIES-AND-EQUITY> 285,597 <INTEREST-LOAN> 4,395 <INTEREST-INVEST> 1,202 <INTEREST-OTHER> 104 <INTEREST-TOTAL> 5,701 <INTEREST-DEPOSIT> 2,562 <INTEREST-EXPENSE> 2,806 <INTEREST-INCOME-NET> 2,896 <LOAN-LOSSES> 98 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,585 <INCOME-PRETAX> 1,531 <INCOME-PRE-EXTRAORDINARY> 1,531 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,116 <EPS-PRIMARY> .42 <EPS-DILUTED> .42 <YIELD-ACTUAL> 4.31 <LOANS-NON> 841 <LOANS-PAST> 528 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,349 <CHARGE-OFFS> 23 <RECOVERIES> 7 <ALLOWANCE-CLOSE> 2,430 <ALLOWANCE-DOMESTIC> 2,002 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 428