<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 3,034 <INT-BEARING-DEPOSITS> 6,468 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 52,010 <INVESTMENTS-CARRYING> 17,887 <INVESTMENTS-MARKET> 17,725 <LOANS> 381,985 <ALLOWANCE> 5,828 <TOTAL-ASSETS> 490,268 <DEPOSITS> 347,979 <SHORT-TERM> 27,000 <LIABILITIES-OTHER> 11,467 <LONG-TERM> 18,060 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 36 <OTHER-SE> 85,726 <TOTAL-LIABILITIES-AND-EQUITY> 490,268 <INTEREST-LOAN> 8,422 <INTEREST-INVEST> 1,112 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 9,534 <INTEREST-DEPOSIT> 4,278 <INTEREST-EXPENSE> 4,986 <INTEREST-INCOME-NET> 4,548 <LOAN-LOSSES> 106 <SECURITIES-GAINS> 25 <EXPENSE-OTHER> 2,744 <INCOME-PRETAX> 6,230 <INCOME-PRE-EXTRAORDINARY> 3,994 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,994 <EPS-PRIMARY> 1.27 <EPS-DILUTED> 1.17 <YIELD-ACTUAL> 4.04 <LOANS-NON> 3,216 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,070 <CHARGE-OFFS> 350 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 5,828 <ALLOWANCE-DOMESTIC> 5,828 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0