<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1997 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 17,699 <INT-BEARING-DEPOSITS> 13,481 <FED-FUNDS-SOLD> 53,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 234,961 <ALLOWANCE> 4,132 <TOTAL-ASSETS> 387,187 <DEPOSITS> 239,805 <SHORT-TERM> 48,482 <LIABILITIES-OTHER> 30,364 <LONG-TERM> 10,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 58,536 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 387,187 <INTEREST-LOAN> 7,466 <INTEREST-INVEST> 74 <INTEREST-OTHER> 2,497 <INTEREST-TOTAL> 10,037 <INTEREST-DEPOSIT> 3,269 <INTEREST-EXPENSE> 6,394 <INTEREST-INCOME-NET> 3,643 <LOAN-LOSSES> 1,630 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 5,377 <INCOME-PRETAX> 6,354 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,717 <EPS-PRIMARY> 0.57 <EPS-DILUTED> 0.54 <YIELD-ACTUAL> 10.27 <LOANS-NON> 7,775 <LOANS-PAST> 7,775 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,573 <CHARGE-OFFS> 71 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 4,132 <ALLOWANCE-DOMESTIC> 4,132 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,246