<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> 11,097 <INT-BEARING-DEPOSITS> 2,067 <FED-FUNDS-SOLD> 23,470 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 55,599 <INVESTMENTS-CARRYING> 3,059 <INVESTMENTS-MARKET> 3,043 <LOANS> 237,372 <ALLOWANCE> 4,743 <TOTAL-ASSETS> 344,788 <DEPOSITS> 300,463 <SHORT-TERM> 2,500 <LIABILITIES-OTHER> 2,877 <LONG-TERM> 8,215 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 22,175 <OTHER-SE> 8,558 <TOTAL-LIABILITIES-AND-EQUITY> 344,788 <INTEREST-LOAN> 6,283 <INTEREST-INVEST> 856 <INTEREST-OTHER> 323 <INTEREST-TOTAL> 7,462 <INTEREST-DEPOSIT> 3,477 <INTEREST-EXPENSE> 3,671 <INTEREST-INCOME-NET> 3,791 <LOAN-LOSSES> 279 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 2,443 <INCOME-PRETAX> 1,716 <INCOME-PRE-EXTRAORDINARY> 1,716 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,167 <EPS-PRIMARY> 0.53 <EPS-DILUTED> 0.53 <YIELD-ACTUAL> 4.87 <LOANS-NON> 6,290 <LOANS-PAST> 1,108 <LOANS-TROUBLED> 48 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,575 <CHARGE-OFFS> 196 <RECOVERIES> 85 <ALLOWANCE-CLOSE> 4,743 <ALLOWANCE-DOMESTIC> 4,743 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0