<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