<ARTICLE>        9
<MULTIPLIER>     1,000
       
                                
<PERIOD-TYPE>                      3-MOS
<FISCAL-YEAR-END>                  DEC-31-1998
<PERIOD-END>                       MAR-31-1998
<CASH>                                   9,121
<INT-BEARING-DEPOSITS>                     581
<FED-FUNDS-SOLD>                         3,705
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>             35,025
<INVESTMENTS-CARRYING>                  12,695
<INVESTMENTS-MARKET>                    12,852
<LOANS>                                151,208
<ALLOWANCE>                              1,906
<TOTAL-ASSETS>                         217,049
<DEPOSITS>                             186,342
<SHORT-TERM>                             3,631
<LIABILITIES-OTHER>                      1,472
<LONG-TERM>                              6,000
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<COMMON>                                 1,805
<OTHER-SE>                              17,799
<TOTAL-LIABILITIES-AND-EQUITY>         217,049
<INTEREST-LOAN>                          3,372
<INTEREST-INVEST>                          731
<INTEREST-OTHER>                            43
<INTEREST-TOTAL>                         4,146
<INTEREST-DEPOSIT>                       2,036
<INTEREST-EXPENSE>                       2,164
<INTEREST-INCOME-NET>                    1,982
<LOAN-LOSSES>                               75
<SECURITIES-GAINS>                          36
<EXPENSE-OTHER>                          1,624
<INCOME-PRETAX>                            547
<INCOME-PRE-EXTRAORDINARY>                 547
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                               390
<EPS-PRIMARY>                              .44
<EPS-DILUTED>                              .44
<YIELD-ACTUAL>                            3.96
<LOANS-NON>                              1,137
<LOANS-PAST>                                 0
<LOANS-TROUBLED>                             0
<LOANS-PROBLEM>                          2,852
<ALLOWANCE-OPEN>                         1,845
<CHARGE-OFFS>                               14
<RECOVERIES>                                 0
<ALLOWANCE-CLOSE>                        1,906
<ALLOWANCE-DOMESTIC>                     1,906
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                      0