<ARTICLE> 9
<MULTIPLIER>   1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998 
<CASH>                                           6,945
<INT-BEARING-DEPOSITS>                          27,916
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     64,422
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        276,070
<ALLOWANCE>                                        781
<TOTAL-ASSETS>                                 392,962
<DEPOSITS>                                     307,280
<SHORT-TERM>                                    33,850
<LIABILITIES-OTHER>                              6,171
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            45
<OTHER-SE>                                      45,616
<TOTAL-LIABILITIES-AND-EQUITY>                 392,962
<INTEREST-LOAN>                                  5,686
<INTEREST-INVEST>                                1,349
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,035
<INTEREST-DEPOSIT>                               3,431
<INTEREST-EXPENSE>                               3,995
<INTEREST-INCOME-NET>                            3,040
<LOAN-LOSSES>                                        6
<SECURITIES-GAINS>                                 178
<EXPENSE-OTHER>                                  1,806
<INCOME-PRETAX>                                  1,833
<INCOME-PRE-EXTRAORDINARY>                       1,185
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,185
<EPS-PRIMARY>                                     0.43
<EPS-DILUTED>                                     0.43
<YIELD-ACTUAL>                                    7.81
<LOANS-NON>                                        639
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   775
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  781
<ALLOWANCE-DOMESTIC>                               781
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0