<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS DATED 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>                                           7,050
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     55,018
<INVESTMENTS-CARRYING>                           1,716
<INVESTMENTS-MARKET>                             1,779
<LOANS>                                         64,392
<ALLOWANCE>                                      1,340
<TOTAL-ASSETS>                                 149,401
<DEPOSITS>                                     135,561
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                843
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,455
<OTHER-SE>                                       5,542
<TOTAL-LIABILITIES-AND-EQUITY>                 149,401
<INTEREST-LOAN>                                  1,686
<INTEREST-INVEST>                                  964
<INTEREST-OTHER>                                    99
<INTEREST-TOTAL>                                 2,749
<INTEREST-DEPOSIT>                                 965
<INTEREST-EXPENSE>                                 965
<INTEREST-INCOME-NET>                            1,784
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,834
<INCOME-PRETAX>                                    336
<INCOME-PRE-EXTRAORDINARY>                         336
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       230
<EPS-PRIMARY>                                     0.17
<EPS-DILUTED>                                     0.16
<YIELD-ACTUAL>                                    5.44
<LOANS-NON>                                        358
<LOANS-PAST>                                         2
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,313
<CHARGE-OFFS>                                       21
<RECOVERIES>                                        18
<ALLOWANCE-CLOSE>                                1,340
<ALLOWANCE-DOMESTIC>                             1,340
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            867