<ARTICLE>                                            9
<LEGEND>

THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE CONSOLIDATED CONDENSED BALANCE SHEET AT MARCH 31,1998, (UNAUDITED),
CONSOLIDATED CONDENSED STATEMENT OF INCOME FOR THE THREE MONTHS
ENDED MARCH 31,1988 (UNAUDITED) AND THE NOTES TO THE CONSOLIDATED
CONDENSED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.

</LEGEND>
<MULTIPLIER>                                   1000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   MAR-31-1998
<CASH>                                                 16,960
<INT-BEARING-DEPOSITS>                                      0
<FED-FUNDS-SOLD>                                        1,000
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                            47,555
<INVESTMENTS-CARRYING>                                 63,209
<INVESTMENTS-MARKET>                                   63,234
<LOANS>                                               288,967
<ALLOWANCE>                                             2,891
<TOTAL-ASSETS>                                        423,541
<DEPOSITS>                                            317,188
<SHORT-TERM>                                           39,250
<LIABILITIES-OTHER>                                     1,968
<LONG-TERM>                                            29,425
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                               13,766
<OTHER-SE>                                             21,944
<TOTAL-LIABILITIES-AND-EQUITY>                        423,541
<INTEREST-LOAN>                                         6,526
<INTEREST-INVEST>                                       1,851
<INTEREST-OTHER>                                            7
<INTEREST-TOTAL>                                        8,384
<INTEREST-DEPOSIT>                                      3,287
<INTEREST-EXPENSE>                                      4,257
<INTEREST-INCOME-NET>                                   4,127
<LOAN-LOSSES>                                             160
<SECURITIES-GAINS>                                          1
<EXPENSE-OTHER>                                         2,853
<INCOME-PRETAX>                                         1,280
<INCOME-PRE-EXTRAORDINARY>                                867
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                              867
<EPS-PRIMARY>                                            0.31
<EPS-DILUTED>                                            0.30
<YIELD-ACTUAL>                                           0.08
<LOANS-NON>                                             4,049
<LOANS-PAST>                                               96
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                        2,956
<CHARGE-OFFS>                                             227
<RECOVERIES>                                                2
<ALLOWANCE-CLOSE>                                       2,891
<ALLOWANCE-DOMESTIC>                                    2,717
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                   174