<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> JAN-01-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 21,626 <INT-BEARING-DEPOSITS> 1,000 <FED-FUNDS-SOLD> 44,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 12,921 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 104,078 <LOANS> 217,309 <ALLOWANCE> 3,799 <TOTAL-ASSETS> 437,961 <DEPOSITS> 373,220 <SHORT-TERM> 18,030 <LIABILITIES-OTHER> 2,162 <LONG-TERM> 3,399 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 33,978 <OTHER-SE> 6,962 <TOTAL-LIABILITIES-AND-EQUITY> 437,961 <INTEREST-LOAN> 5,699 <INTEREST-INVEST> 2,393 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 8,092 <INTEREST-DEPOSIT> 2,967 <INTEREST-EXPENSE> 3,303 <INTEREST-INCOME-NET> 4,789 <LOAN-LOSSES> 252 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,323 <INCOME-PRETAX> 1,272 <INCOME-PRE-EXTRAORDINARY> 435 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 837 <EPS-PRIMARY> .18 <EPS-DILUTED> .18 <YIELD-ACTUAL> 10.62 <LOANS-NON> 823 <LOANS-PAST> 456 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,833 <CHARGE-OFFS> 344 <RECOVERIES> 57 <ALLOWANCE-CLOSE> 3,799 <ALLOWANCE-DOMESTIC> 3,799 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0