<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 12,959 <INT-BEARING-DEPOSITS> 1,373 <FED-FUNDS-SOLD> 179 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 23,065 <INVESTMENTS-CARRYING> 44,115 <INVESTMENTS-MARKET> 44,142 <LOANS> 274,559 <ALLOWANCE> 3,077 <TOTAL-ASSETS> 364,003 <DEPOSITS> 320,480 <SHORT-TERM> 12,964 <LIABILITIES-OTHER> 2,030 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 28,528 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 364,003 <INTEREST-LOAN> 5,733 <INTEREST-INVEST> 936 <INTEREST-OTHER> 53 <INTEREST-TOTAL> 6,722 <INTEREST-DEPOSIT> 2,918 <INTEREST-EXPENSE> 2,998 <INTEREST-INCOME-NET> 3,724 <LOAN-LOSSES> 28 <SECURITIES-GAINS> (3) <EXPENSE-OTHER> 2,836 <INCOME-PRETAX> 1,476 <INCOME-PRE-EXTRAORDINARY> 1,476 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 883 <EPS-PRIMARY> .22 <EPS-DILUTED> .21 <YIELD-ACTUAL> 4.45 <LOANS-NON> 1,443 <LOANS-PAST> 223 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,666 <ALLOWANCE-OPEN> 3,057 <CHARGE-OFFS> 60 <RECOVERIES> 51 <ALLOWANCE-CLOSE> 3,077 <ALLOWANCE-DOMESTIC> 3,077 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0