<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> 5,892 <INT-BEARING-DEPOSITS> 3,916 <FED-FUNDS-SOLD> 3,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 81,319 <INVESTMENTS-CARRYING> 11,792 <INVESTMENTS-MARKET> 11,972 <LOANS> 262,158 <ALLOWANCE> 2,991 <TOTAL-ASSETS> 383,737 <DEPOSITS> 319,865 <SHORT-TERM> 16,832 <LIABILITIES-OTHER> 4,199 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,456 <OTHER-SE> 36,729 <TOTAL-LIABILITIES-AND-EQUITY> 383,737 <INTEREST-LOAN> 5,745 <INTEREST-INVEST> 1,178 <INTEREST-OTHER> 99 <INTEREST-TOTAL> 7,022 <INTEREST-DEPOSIT> 3,079 <INTEREST-EXPENSE> 179 <INTEREST-INCOME-NET> 3,764 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 52 <EXPENSE-OTHER> 2,714 <INCOME-PRETAX> 1,462 <INCOME-PRE-EXTRAORDINARY> 1,462 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,462 <EPS-PRIMARY> 00.31 <EPS-DILUTED> 00.31 <YIELD-ACTUAL> 8.12 <LOANS-NON> 309 <LOANS-PAST> 368 <LOANS-TROUBLED> 583 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,849 <CHARGE-OFFS> 113 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 2,991 <ALLOWANCE-DOMESTIC> 2,991 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0