<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