<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 25,189 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 9,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 51,012 <INVESTMENTS-CARRYING> 18,634 <INVESTMENTS-MARKET> 18,693 <LOANS> 177,460 <ALLOWANCE> 5,822 <TOTAL-ASSETS> 284,468 <DEPOSITS> 259,254 <SHORT-TERM> 398 <LIABILITIES-OTHER> 2,688 <LONG-TERM> 80 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,587 <OTHER-SE> 8,461 <TOTAL-LIABILITIES-AND-EQUITY> 284,468 <INTEREST-LOAN> 4,607 <INTEREST-INVEST> 970 <INTEREST-OTHER> 389 <INTEREST-TOTAL> 5,966 <INTEREST-DEPOSIT> 2,166 <INTEREST-EXPENSE> 5 <INTEREST-INCOME-NET> 3,795 <LOAN-LOSSES> 396 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,455 <INCOME-PRETAX> 1,294 <INCOME-PRE-EXTRAORDINARY> 1,294 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 812 <EPS-PRIMARY> 0.49 <EPS-DILUTED> 0.43 <YIELD-ACTUAL> 7.76 <LOANS-NON> 7,333 <LOANS-PAST> 451 <LOANS-TROUBLED> 387 <LOANS-PROBLEM> 3,961 <ALLOWANCE-OPEN> 5,514 <CHARGE-OFFS> 99 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 5,822 <ALLOWANCE-DOMESTIC> 5,822 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0