<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         6989899
<INT-BEARING-DEPOSITS>                         6086640
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   18912218
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                       66797538
<ALLOWANCE>                                     397005
<TOTAL-ASSETS>                                97509658
<DEPOSITS>                                    72255074
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             595546
<LONG-TERM>                                     589882
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         16531
<OTHER-SE>                                    24052625
<TOTAL-LIABILITIES-AND-EQUITY>                97509658
<INTEREST-LOAN>                                1347394
<INTEREST-INVEST>                               260942
<INTEREST-OTHER>                                133265
<INTEREST-TOTAL>                               1741601
<INTEREST-DEPOSIT>                              875127
<INTEREST-EXPENSE>                              884556
<INTEREST-INCOME-NET>                           857045
<LOAN-LOSSES>                                    14268
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 573721
<INCOME-PRETAX>                                 413964
<INCOME-PRE-EXTRAORDINARY>                      413964
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    248399
<EPS-PRIMARY>                                     0.16
<EPS-DILUTED>                                     0.16
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                      94467
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                387449
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               397005
<ALLOWANCE-DOMESTIC>                            397005
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0