<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                           15,592  
<INT-BEARING-DEPOSITS>                           10,004   
<FED-FUNDS-SOLD>                                  5,811   
<TRADING-ASSETS>                                      0     
<INVESTMENTS-HELD-FOR-SALE>                      44,507  
<INVESTMENTS-CARRYING>                           20,016  
<INVESTMENTS-MARKET>                             20,619  
<LOANS>                                         309,497  
<ALLOWANCE>                                       5,008  
<TOTAL-ASSETS>                                  422,832  
<DEPOSITS>                                      380,424  
<SHORT-TERM>                                          0     
<LIABILITIES-OTHER>                               4,865  
<LONG-TERM>                                           0     
<PREFERRED-MANDATORY>                                 0  
<PREFERRED>                                           0     
<COMMON>                                         15,102     
<OTHER-SE>                                       22,441  
<TOTAL-LIABILITIES-AND-EQUITY>                  422,832  
<INTEREST-LOAN>                                   6,919  
<INTEREST-INVEST>                                 1,086  
<INTEREST-OTHER>                                    220  
<INTEREST-TOTAL>                                  8,225  
<INTEREST-DEPOSIT>                                3,235  
<INTEREST-EXPENSE>                                3,235
<INTEREST-INCOME-NET>                             4,990  
<LOAN-LOSSES>                                       280  
<SECURITIES-GAINS>                                    0  
<EXPENSE-OTHER>                                   3,771 
<INCOME-PRETAX>                                   1,982  
<INCOME-PRE-EXTRAORDINARY>                        1,982  
<EXTRAORDINARY>                                       0  
<CHANGES>                                             0  
<NET-INCOME>                                      1,306  
<EPS-PRIMARY>                                      0.43  
<EPS-DILUTED>                                      0.42  
<YIELD-ACTUAL>                                     5.55  
<LOANS-NON>                                         633  
<LOANS-PAST>                                          0  
<LOANS-TROUBLED>                                    256  
<LOANS-PROBLEM>                                   1,000  
<ALLOWANCE-OPEN>                                  4,779  
<CHARGE-OFFS>                                        73  
<RECOVERIES>                                         22  
<ALLOWANCE-CLOSE>                                 5,008  
<ALLOWANCE-DOMESTIC>                              5,008  
<ALLOWANCE-FOREIGN>                                   0  
<ALLOWANCE-UNALLOCATED>                               0