<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1997
<CASH>                                          17,486
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                15,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     89,681
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            80,466
<LOANS>                                        150,525
<ALLOWANCE>                                      3,660
<TOTAL-ASSETS>                                 277,549
<DEPOSITS>                                     220,877
<SHORT-TERM>                                    25,027
<LIABILITIES-OTHER>                              3,429
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,964
<OTHER-SE>                                      17,252
<TOTAL-LIABILITIES-AND-EQUITY>                 277,549
<INTEREST-LOAN>                                  4,147
<INTEREST-INVEST>                                1,370
<INTEREST-OTHER>                                   100
<INTEREST-TOTAL>                                 5,617
<INTEREST-DEPOSIT>                               1,135
<INTEREST-EXPENSE>                               1,550
<INTEREST-INCOME-NET>                            4,067
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                (15)
<EXPENSE-OTHER>                                  2,917
<INCOME-PRETAX>                                  2,642
<INCOME-PRE-EXTRAORDINARY>                       2,642
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,556
<EPS-PRIMARY>                                     0.71
<EPS-DILUTED>                                     0.69
<YIELD-ACTUAL>                                    .068
<LOANS-NON>                                        546
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,609
<CHARGE-OFFS>                                       45
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                3,660
<ALLOWANCE-DOMESTIC>                             3,660
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0