<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1998 FIRST QUARTER 10-Q </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 2,959 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,250 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,872 <INVESTMENTS-CARRYING> 7,171 <INVESTMENTS-MARKET> 7,380 <LOANS> 63,705 <ALLOWANCE> 1,034 <TOTAL-ASSETS> 84,410 <DEPOSITS> 65,992 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,324 <LONG-TERM> 6,684 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,975 <OTHER-SE> 7,435 <TOTAL-LIABILITIES-AND-EQUITY> 84,410 <INTEREST-LOAN> 1,361 <INTEREST-INVEST> 259 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1,620 <INTEREST-DEPOSIT> 613 <INTEREST-EXPENSE> 707 <INTEREST-INCOME-NET> 913 <LOAN-LOSSES> (8) <SECURITIES-GAINS> (13) <EXPENSE-OTHER> 617 <INCOME-PRETAX> 425 <INCOME-PRE-EXTRAORDINARY> 425 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 303 <EPS-PRIMARY> 0.51 <EPS-DILUTED> 0.51 <YIELD-ACTUAL> 4.79 <LOANS-NON> 10 <LOANS-PAST> 99 <LOANS-TROUBLED> 11 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,035 <CHARGE-OFFS> 1 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 1,034 <ALLOWANCE-DOMESTIC> 85 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 949