<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THIS 
QUARTERLY REPORT ON FORM 10-Q FOR THE THREE MONTHS ENDED MARCH 31, 1998 AND IS 
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           3,678
<INT-BEARING-DEPOSITS>                           7,565
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     20,147
<INVESTMENTS-CARRYING>                           3,197
<INVESTMENTS-MARKET>                             3,178
<LOANS>                                        104,612
<ALLOWANCE>                                    (2,696)
<TOTAL-ASSETS>                                 150,022
<DEPOSITS>                                     118,517
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                305
<LONG-TERM>                                     16,111
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,359
<OTHER-SE>                                      13,730
<TOTAL-LIABILITIES-AND-EQUITY>                 150,022
<INTEREST-LOAN>                                  2,477
<INTEREST-INVEST>                                  394
<INTEREST-OTHER>                                   107
<INTEREST-TOTAL>                                 2,978
<INTEREST-DEPOSIT>                               1,079
<INTEREST-EXPENSE>                                 296
<INTEREST-INCOME-NET>                            1,603
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,302
<INCOME-PRETAX>                                    445
<INCOME-PRE-EXTRAORDINARY>                         445
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       285
<EPS-PRIMARY>                                      .21
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                    8.72
<LOANS-NON>                                        261
<LOANS-PAST>                                       106
<LOANS-TROUBLED>                                   264
<LOANS-PROBLEM>                                  3,651
<ALLOWANCE-OPEN>                                 2,665
<CHARGE-OFFS>                                       27
<RECOVERIES>                                        58
<ALLOWANCE-CLOSE>                                2,696
<ALLOWANCE-DOMESTIC>                             2,696
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0