<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                          15,688                  17,916
<INT-BEARING-DEPOSITS>                           2,040                       0
<FED-FUNDS-SOLD>                                17,495                   7,600
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     31,610                  40,746
<INVESTMENTS-CARRYING>                           6,641                   9,148
<INVESTMENTS-MARKET>                             6,596                   9,043
<LOANS>                                        441,737                 405,397
<ALLOWANCE>                                      9,239                   7,616
<TOTAL-ASSETS>                                 530,439                 496,121
<DEPOSITS>                                     464,293                 422,640
<SHORT-TERM>                                     1,510                   5,398
<LIABILITIES-OTHER>                              5,310                   7,181
<LONG-TERM>                                      7,367                  13,129
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        13,549                   4,514
<OTHER-SE>                                      38,410                  43,259
<TOTAL-LIABILITIES-AND-EQUITY>                 530,439                 496,121
<INTEREST-LOAN>                                 11,920                  10,332
<INTEREST-INVEST>                                  621                     761
<INTEREST-OTHER>                                   133                      35
<INTEREST-TOTAL>                                12,674                  11,128
<INTEREST-DEPOSIT>                               4,663                   4,058
<INTEREST-EXPENSE>                               4,840                   4,318
<INTEREST-INCOME-NET>                            7,834                   6,810
<LOAN-LOSSES>                                      337                     421
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  4,424                   3,495
<INCOME-PRETAX>                                  4,033                   4,003
<INCOME-PRE-EXTRAORDINARY>                       4,033                   4,003
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,510                   2,488
<EPS-PRIMARY>                                     1.85                    1.84
<EPS-DILUTED>                                     1.84                    1.83
<YIELD-ACTUAL>                                    6.39                    5.98
<LOANS-NON>                                      2,357                     465
<LOANS-PAST>                                     1,820                   1,190
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                 19,331                   7,156
<ALLOWANCE-OPEN>                                 9,154                   7,331
<CHARGE-OFFS>                                      631                     263
<RECOVERIES>                                       379                     127
<ALLOWANCE-CLOSE>                                9,239                   7,616
<ALLOWANCE-DOMESTIC>                             9,239                   7,616
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0