<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