<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> DEC-31-1997 <PERIOD-END> MAR-31-1998 <CASH> 4,980 <INT-BEARING-DEPOSITS> 5,212 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32,513 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 149,294 <ALLOWANCE> 1,880 <TOTAL-ASSETS> 198,798 <DEPOSITS> 175,947 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,243 <LONG-TERM> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 887 <OTHER-SE> 16,134 <TOTAL-LIABILITIES-AND-EQUITY> 198,798 <INTEREST-LOAN> 3,458 <INTEREST-INVEST> 556 <INTEREST-OTHER> 30 <INTEREST-TOTAL> 4,044 <INTEREST-DEPOSIT> 1,899 <INTEREST-EXPENSE> 1,947 <INTEREST-INCOME-NET> 2,097 <LOAN-LOSSES> 193 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,464 <INCOME-PRETAX> 849 <INCOME-PRE-EXTRAORDINARY> 849 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 586 <EPS-PRIMARY> .67 <EPS-DILUTED> .66 <YIELD-ACTUAL> 1.13 <LOANS-NON> 1,545 <LOANS-PAST> 364 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,725 <CHARGE-OFFS> 46 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 1,880 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,880