<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