<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-END> MAR-31-1998 <CASH> 2789 <INT-BEARING-DEPOSITS> 99 <FED-FUNDS-SOLD> 3768 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2112 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 79527 <ALLOWANCE> (772) <TOTAL-ASSETS> 92073 <DEPOSITS> 81718 <SHORT-TERM> 500 <LIABILITIES-OTHER> 1252 <LONG-TERM> 350 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7 <OTHER-SE> 6275 <TOTAL-LIABILITIES-AND-EQUITY> 92073 <INTEREST-LOAN> 1811 <INTEREST-INVEST> 72 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1883 <INTEREST-DEPOSIT> 800 <INTEREST-EXPENSE> 831 <INTEREST-INCOME-NET> 1052 <LOAN-LOSSES> 45 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 861 <INCOME-PRETAX> 396 <INCOME-PRE-EXTRAORDINARY> 396 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 156 <EPS-PRIMARY> .35 <EPS-DILUTED> .33 <YIELD-ACTUAL> 4.88 <LOANS-NON> 537 <LOANS-PAST> 49 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 728 <CHARGE-OFFS> 2 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 772 <ALLOWANCE-DOMESTIC> 585 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 187