<ARTICLE>                                            9
<LEGEND>
     THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL  INFORMATION  DERIVED FROM THE
QUARTERLY  REPORT ON FORM 10-Q AND IS  QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>
                        
<MULTIPLIER>                                 1,000  
       
                                          
<PERIOD-TYPE>                                3-MOS  
<FISCAL-YEAR-END>                            DEC-31-1997
<PERIOD-END>                                 MAR-31-1998
<CASH>                                         5,534
<INT-BEARING-DEPOSITS>                         1,685
<FED-FUNDS-SOLD>                               2,300
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                   53,532
<INVESTMENTS-CARRYING>                         8,160
<INVESTMENTS-MARKET>                           8,498
<LOANS>                                      183,501  
<ALLOWANCE>                                    3,289
<TOTAL-ASSETS>                               264,220
<DEPOSITS>                                   223,511
<SHORT-TERM>                                   7,185
<LIABILITIES-OTHER>                            6,144
<LONG-TERM>                                    2,000
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                         180
<OTHER-SE>                                    25,200
<TOTAL-LIABILITIES-AND-EQUITY>               264,220
<INTEREST-LOAN>                                3,977
<INTEREST-INVEST>                                902
<INTEREST-OTHER>                                  55
<INTEREST-TOTAL>                               4,934
<INTEREST-DEPOSIT>                             2,040
<INTEREST-EXPENSE>                             2,125
<INTEREST-INCOME-NET>                          2,809
<LOAN-LOSSES>                                    180
<SECURITIES-GAINS>                                15
<EXPENSE-OTHER>                                1,957
<INCOME-PRETAX>                                1,030
<INCOME-PRE-EXTRAORDINARY>                     1,030
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     720
<EPS-PRIMARY>                                    .43
<EPS-DILUTED>                                    .43
<YIELD-ACTUAL>                                  4.66
<LOANS-NON>                                    1,995
<LOANS-PAST>                                      43
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                    0
<ALLOWANCE-OPEN>                               3,250
<CHARGE-OFFS>                                    148
<RECOVERIES>                                      23
<ALLOWANCE-CLOSE>                              3,289
<ALLOWANCE-DOMESTIC>                           3,289
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                        1,547