<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                      23,916,000
<INT-BEARING-DEPOSITS>                               0
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<ALLOWANCE>                                  2,938,000
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<DEPOSITS>                                 329,986,000
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<INTEREST-DEPOSIT>                           2,098,000
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<LOAN-LOSSES>                                  270,000
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