<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> 16,804 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 11,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 103,689 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 119,875 <ALLOWANCE> 1,611 <TOTAL-ASSETS> 258,060 <DEPOSITS> 228,591 <SHORT-TERM> 766 <LIABILITIES-OTHER> 2,633 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 24,047 <OTHER-SE> 2,023 <TOTAL-LIABILITIES-AND-EQUITY> 258,060 <INTEREST-LOAN> 4,607 <INTEREST-INVEST> 106 <INTEREST-OTHER> 20 <INTEREST-TOTAL> 4,733 <INTEREST-DEPOSIT> 1,189 <INTEREST-EXPENSE> 1,319 <INTEREST-INCOME-NET> 3,414 <LOAN-LOSSES> 150 <SECURITIES-GAINS> (4) <EXPENSE-OTHER> 5,435 <INCOME-PRETAX> 2,888 <INCOME-PRE-EXTRAORDINARY> 2,888 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,675 <EPS-PRIMARY> .64 <EPS-DILUTED> .60 <YIELD-ACTUAL> 6.30 <LOANS-NON> 241 <LOANS-PAST> 944 <LOANS-TROUBLED> 4,014 <LOANS-PROBLEM> 4,935 <ALLOWANCE-OPEN> 1,558 <CHARGE-OFFS> 132 <RECOVERIES> 35 <ALLOWANCE-CLOSE> 1,611 <ALLOWANCE-DOMESTIC> 1,611 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0