<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31, 1998 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <EXCHANGE-RATE> 1 <CASH> 5,606 <INT-BEARING-DEPOSITS> 7,099 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 98,737 <INVESTMENTS-CARRYING> 6,294 <INVESTMENTS-MARKET> 6,534 <LOANS> 247,383 <ALLOWANCE> 4,023 <TOTAL-ASSETS> 372,529 <DEPOSITS> 325,624 <SHORT-TERM> 2,236 <LIABILITIES-OTHER> 2,878 <LONG-TERM> 671 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 393 <OTHER-SE> 40,727 <TOTAL-LIABILITIES-AND-EQUITY> 372,529 <INTEREST-LOAN> 5,527 <INTEREST-INVEST> 1,715 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 7,242 <INTEREST-DEPOSIT> 2,879 <INTEREST-EXPENSE> 2,909 <INTEREST-INCOME-NET> 4,333 <LOAN-LOSSES> (18) <SECURITIES-GAINS> 9 <EXPENSE-OTHER> 2,363 <INCOME-PRETAX> 2,243 <INCOME-PRE-EXTRAORDINARY> 2,243 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,478 <EPS-PRIMARY> 0.39 <EPS-DILUTED> 0.39 <YIELD-ACTUAL> 4.90 <LOANS-NON> 425 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,314 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,066 <CHARGE-OFFS> 51 <RECOVERIES> 26 <ALLOWANCE-CLOSE> 4,023 <ALLOWANCE-DOMESTIC> 4,023 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0