<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 38,538 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,465 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 103,023 <INVESTMENTS-CARRYING> 27,717 <INVESTMENTS-MARKET> 28,306 <LOANS> 498,036 <ALLOWANCE> 10,207 <TOTAL-ASSETS> 707,198 <DEPOSITS> 606,798 <SHORT-TERM> 21,365 <LIABILITIES-OTHER> 11,377 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,525 <OTHER-SE> 60,133 <TOTAL-LIABILITIES-AND-EQUITY> 707,198 <INTEREST-LOAN> 12,638 <INTEREST-INVEST> 1,950 <INTEREST-OTHER> 134 <INTEREST-TOTAL> 14,722 <INTEREST-DEPOSIT> 6,253 <INTEREST-EXPENSE> 6,571 <INTEREST-INCOME-NET> 8,151 <LOAN-LOSSES> 2,628 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,140 <INCOME-PRETAX> 354 <INCOME-PRE-EXTRAORDINARY> 354 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 234 <EPS-PRIMARY> .03 <EPS-DILUTED> .03 <YIELD-ACTUAL> 5.27 <LOANS-NON> 11,869 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 11,869 <ALLOWANCE-OPEN> 7,627 <CHARGE-OFFS> 340 <RECOVERIES> 292 <ALLOWANCE-CLOSE> 10,207 <ALLOWANCE-DOMESTIC> 10,207 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,207