<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