<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 12,343 <INT-BEARING-DEPOSITS> 388 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,387 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 136,043 <ALLOWANCE> 2,335 <TOTAL-ASSETS> 192,127 <DEPOSITS> 169,761 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,093 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,218 <OTHER-SE> 3,846 <TOTAL-LIABILITIES-AND-EQUITY> 192,127 <INTEREST-LOAN> 3,543 <INTEREST-INVEST> 547 <INTEREST-OTHER> 34 <INTEREST-TOTAL> 4,124 <INTEREST-DEPOSIT> 1,243 <INTEREST-EXPENSE> 1,283 <INTEREST-INCOME-NET> 2,841 <LOAN-LOSSES> 125 <SECURITIES-GAINS> 5 <EXPENSE-OTHER> 2,304 <INCOME-PRETAX> 899 <INCOME-PRE-EXTRAORDINARY> 899 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 519 <EPS-PRIMARY> 0.20 <EPS-DILUTED> 0.19 <YIELD-ACTUAL> 6.81 <LOANS-NON> 2,063 <LOANS-PAST> 28 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,219 <CHARGE-OFFS> 21 <RECOVERIES> 12 <ALLOWANCE-CLOSE> 2,335 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,335