[ARTICLE] 9
[LEGEND]
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MARCH 31,
1998, CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FOR
THE THREE MONTHS ENDED MARCH 31, 1998, AND IS QUALIFIED IN ITS ENTIRELY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.



                             
[PERIOD-TYPE]                   3-MOS
[FISCAL-YEAR-END]                          DEC-31-1998
[PERIOD-END]                               MAR-31-1998
[CASH]                                         720,889
[INT-BEARING-DEPOSITS]                         751,221
[FED-FUNDS-SOLD]                                     0
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                  6,117,741
[INVESTMENTS-CARRYING]                      11,234,774
[INVESTMENTS-MARKET]                        11,251,813
[LOANS]                                     13,827,366
[ALLOWANCE]                                    300,360
[TOTAL-ASSETS]                              33,746,240
[DEPOSITS]                                  28,828,428
[SHORT-TERM]                                         0
[LIABILITIES-OTHER]                            281,672
[LONG-TERM]                                          0
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                         2,645
[OTHER-SE]                                   (162,821)
[TOTAL-LIABILITIES-AND-EQUITY]              33,746,240
[INTEREST-LOAN]                                308,302
[INTEREST-INVEST]                              261,174
[INTEREST-OTHER]                                19,721
[INTEREST-TOTAL]                               589,197
[INTEREST-DEPOSIT]                             307,186
[INTEREST-EXPENSE]                               2,523
[INTEREST-INCOME-NET]                          279,488
[LOAN-LOSSES]                                        0
[SECURITIES-GAINS]                                   0
[EXPENSE-OTHER]                                239,678
[INCOME-PRETAX]                                105,655
[INCOME-PRE-EXTRAORDINARY]                     105,655
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                    69,270
[EPS-PRIMARY]                                      .28
[EPS-DILUTED]                                      .28
[YIELD-ACTUAL]                                    8.52
[LOANS-NON]                                    128,000
[LOANS-PAST]                                         0
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                196,006
[ALLOWANCE-OPEN]                               294,254
[CHARGE-OFFS]                                      326
[RECOVERIES]                                         0
[ALLOWANCE-CLOSE]                              293,928
[ALLOWANCE-DOMESTIC]                            38,619
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                        255,309