<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997 
<PERIOD-START>                                 DEC-31-1997 
<PERIOD-END>                                   MAR-31-1998 
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<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       
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<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
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<INCOME-PRETAX>                                849
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<EPS-PRIMARY>                                  .67
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<YIELD-ACTUAL>                                 1.13
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<LOANS-PAST>                                   364
<LOANS-TROUBLED>                               0
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<ALLOWANCE-OPEN>                               1,725
<CHARGE-OFFS>                                  46
<RECOVERIES>                                   8
<ALLOWANCE-CLOSE>                              1,880
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,880