<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10-Q AND
CALL REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           9,136
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    117,045
<INVESTMENTS-CARRYING>                          64,249
<INVESTMENTS-MARKET>                            64,590
<LOANS>                                        190,413
<ALLOWANCE>                                      2,873
<TOTAL-ASSETS>                                 390,936
<DEPOSITS>                                     317,104
<SHORT-TERM>                                     9,493
<LIABILITIES-OTHER>                              2,346
<LONG-TERM>                                     20,021
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        17,246
<OTHER-SE>                                      24,726
<TOTAL-LIABILITIES-AND-EQUITY>                 390,936
<INTEREST-LOAN>                                  4,173
<INTEREST-INVEST>                                2,930
<INTEREST-OTHER>                                    49
<INTEREST-TOTAL>                                 7,152
<INTEREST-DEPOSIT>                               2,888
<INTEREST-EXPENSE>                               3,307
<INTEREST-INCOME-NET>                            3,845
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                  62
<EXPENSE-OTHER>                                  2,539
<INCOME-PRETAX>                                  1,697
<INCOME-PRE-EXTRAORDINARY>                       1,203
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,203
<EPS-PRIMARY>                                      .35
<EPS-DILUTED>                                      .35
<YIELD-ACTUAL>                                     4.2
<LOANS-NON>                                      2,208
<LOANS-PAST>                                        11
<LOANS-TROUBLED>                                   173
<LOANS-PROBLEM>                                  2,215
<ALLOWANCE-OPEN>                                 2,817
<CHARGE-OFFS>                                       44
<RECOVERIES>                                        25
<ALLOWANCE-CLOSE>                                2,873
<ALLOWANCE-DOMESTIC>                             2,560
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            313