<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           8,918
<INT-BEARING-DEPOSITS>                          11,561
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,348
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        174,985
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                 238,506
<DEPOSITS>                                     179,832
<SHORT-TERM>                                    28,510
<LIABILITIES-OTHER>                             11,536
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                      18,623
<TOTAL-LIABILITIES-AND-EQUITY>                 238,506
<INTEREST-LOAN>                                  4,032
<INTEREST-INVEST>                                   45
<INTEREST-OTHER>                                   177
<INTEREST-TOTAL>                                 4,254
<INTEREST-DEPOSIT>                               2,249
<INTEREST-EXPENSE>                               2,871
<INTEREST-INCOME-NET>                            1,383
<LOAN-LOSSES>                                      185
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,245
<INCOME-PRETAX>                                    543
<INCOME-PRE-EXTRAORDINARY>                         543
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       386
<EPS-PRIMARY>                                     0.79
<EPS-DILUTED>                                     0.74
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                      4,826
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   814
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  984<F1>
<ALLOWANCE-DOMESTIC>                               984<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THIS INFORMATION IS NOT DISCLOSED IN THE FORM 10-Q.
</FN>