<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>                                           4,538
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     18,869
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        143,615
<ALLOWANCE>                                      2,058
<TOTAL-ASSETS>                                 174,939
<DEPOSITS>                                     142,385
<SHORT-TERM>                                     6,110
<LIABILITIES-OTHER>                              1,657
<LONG-TERM>                                     10,775
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,290
<OTHER-SE>                                       7,722
<TOTAL-LIABILITIES-AND-EQUITY>                 174,939
<INTEREST-LOAN>                                  3,538
<INTEREST-INVEST>                                  280
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,818
<INTEREST-DEPOSIT>                               1,456
<INTEREST-EXPENSE>                               1,695
<INTEREST-INCOME-NET>                            2,123
<LOAN-LOSSES>                                      201
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  1,804
<INCOME-PRETAX>                                  1,046
<INCOME-PRE-EXTRAORDINARY>                       1,046    
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       668
<EPS-PRIMARY>                                     1.17
<EPS-DILUTED>                                     1.16
<YIELD-ACTUAL>                                    9.77
<LOANS-NON>                                        434
<LOANS-PAST>                                       996
<LOANS-TROUBLED>                                   103
<LOANS-PROBLEM>                                  2,818
<ALLOWANCE-OPEN>                                 1,908
<CHARGE-OFFS>                                       61
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                2,058
<ALLOWANCE-DOMESTIC>                             1,403
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            655