<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 829 <INT-BEARING-DEPOSITS> 14,951 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,772 <INVESTMENTS-CARRYING> 2,170 <INVESTMENTS-MARKET> 2,168 <LOANS> 178,471 <ALLOWANCE> 793 <TOTAL-ASSETS> 209,442 <DEPOSITS> 146,618 <SHORT-TERM> 29,500 <LIABILITIES-OTHER> 1,227 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 219 <OTHER-SE> 30,029 <TOTAL-LIABILITIES-AND-EQUITY> 209,442 <INTEREST-LOAN> 3,678 <INTEREST-INVEST> 264 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 3,942 <INTEREST-DEPOSIT> 1,787 <INTEREST-EXPENSE> 404 <INTEREST-INCOME-NET> 1,751 <LOAN-LOSSES> 30 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,123 <INCOME-PRETAX> 1,121 <INCOME-PRE-EXTRAORDINARY> 1,121 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 658 <EPS-PRIMARY> 0.35 <EPS-DILUTED> 0.34 <YIELD-ACTUAL> 3.45 <LOANS-NON> 106 <LOANS-PAST> 144 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 234 <ALLOWANCE-OPEN> 763 <CHARGE-OFFS> 4 <RECOVERIES> 4 <ALLOWANCE-CLOSE> 793 <ALLOWANCE-DOMESTIC> 793 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0