<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-31-1998
<PERIOD-END>                                  MAR-31-1998
<CASH>                                          1,226
<INT-BEARING-DEPOSITS>                         23,718
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   116,074
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                       256,477
<ALLOWANCE>                                     3,249
<TOTAL-ASSETS>                                403,146
<DEPOSITS>                                    275,393
<SHORT-TERM>                                   20,554
<LIABILITIES-OTHER>                             7,428
<LONG-TERM>                                    51,478
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          234
<OTHER-SE>                                     48,058
<TOTAL-LIABILITIES-AND-EQUITY>                403,146
<INTEREST-LOAN>                                 5,140
<INTEREST-INVEST>                               1,566
<INTEREST-OTHER>                                  260
<INTEREST-TOTAL>                                6,966
<INTEREST-DEPOSIT>                              3,138
<INTEREST-EXPENSE>                                753
<INTEREST-INCOME-NET>                           3,075
<LOAN-LOSSES>                                     155
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,723
<INCOME-PRETAX>                                 1,388
<INCOME-PRE-EXTRAORDINARY>                        889
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      889
<EPS-PRIMARY>                                    0.44
<EPS-DILUTED>                                    0.43
<YIELD-ACTUAL>                                   3.55
<LOANS-NON>                                     2,740
<LOANS-PAST>                                        2
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                 2,752
<ALLOWANCE-OPEN>                                3,235
<CHARGE-OFFS>                                     159
<RECOVERIES>                                       18
<ALLOWANCE-CLOSE>                               3,249
<ALLOWANCE-DOMESTIC>                            3,249
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0