<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>                                          30,070
<INT-BEARING-DEPOSITS>                          65,000
<FED-FUNDS-SOLD>                                23,825
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     35,158
<INVESTMENTS-CARRYING>                          83,064
<INVESTMENTS-MARKET>                            83,436
<LOANS>                                        203,265
<ALLOWANCE>                                      4,503
<TOTAL-ASSETS>                                 457,522
<DEPOSITS>                                     191,602
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            212,176
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      51,744
<TOTAL-LIABILITIES-AND-EQUITY>                 457,522
<INTEREST-LOAN>                                  4,209
<INTEREST-INVEST>                                1,817
<INTEREST-OTHER>                                 1,305
<INTEREST-TOTAL>                                 7,331
<INTEREST-DEPOSIT>                               1,053
<INTEREST-EXPENSE>                               1,056
<INTEREST-INCOME-NET>                            6,275
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,536
<INCOME-PRETAX>                                  2,591
<INCOME-PRE-EXTRAORDINARY>                       2,591
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,673
<EPS-PRIMARY>                                      .43
<EPS-DILUTED>                                      .43
<YIELD-ACTUAL>                                    6.05
<LOANS-NON>                                        746
<LOANS-PAST>                                        45
<LOANS-TROUBLED>                                   533
<LOANS-PROBLEM>                                  1,401
<ALLOWANCE-OPEN>                                 4,484
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        19
<ALLOWANCE-CLOSE>                                4,503
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>To be documented in the Dec-31-1998 statements.