<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEET AND CONSOLIDATED INCOME STATEMENT OF INCOME FOUND ON PAGES 2 AND 3 OF THE COMPANY'S FORM 10-Q FOR MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 24,414 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 18,584 <INVESTMENTS-CARRYING> 11,036 <INVESTMENTS-MARKET> 11,091 <LOANS> 222,728 <ALLOWANCE> 3,328 <TOTAL-ASSETS> 294,072 <DEPOSITS> 263,787 <SHORT-TERM> 1,000 <LIABILITIES-OTHER> 2,654 <LONG-TERM> 412 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,058 <OTHER-SE> 10,161 <TOTAL-LIABILITIES-AND-EQUITY> 294,072 <INTEREST-LOAN> 5,358 <INTEREST-INVEST> 440 <INTEREST-OTHER> 105 <INTEREST-TOTAL> 5,903 <INTEREST-DEPOSIT> 1,403 <INTEREST-EXPENSE> 1,426 <INTEREST-INCOME-NET> 4,477 <LOAN-LOSSES> 590 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,212 <INCOME-PRETAX> 1,662 <INCOME-PRE-EXTRAORDINARY> 1,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,000 <EPS-PRIMARY> 0.22 <EPS-DILUTED> 0.21 <YIELD-ACTUAL> 7.29 <LOANS-NON> 3,172 <LOANS-PAST> 0 <LOANS-TROUBLED> 5,028 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,268 <CHARGE-OFFS> 559 <RECOVERIES> 29 <ALLOWANCE-CLOSE> 3,328 <ALLOWANCE-DOMESTIC> 3,328 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0