<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MORE
DETAILED FINANCIAL STATEMENTS OF THE COMPANY AND SUBSIDIARY AND NOTES THERETO
INCLUDED ELSEWHERE IN THIS REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIALS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          16,086
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                37,175
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     82,973
<INVESTMENTS-CARRYING>                          58,876
<INVESTMENTS-MARKET>                            59,715
<LOANS>                                        238,798
<ALLOWANCE>                                      3,199
<TOTAL-ASSETS>                                 445,184
<DEPOSITS>                                     367,106
<SHORT-TERM>                                    33,388
<LIABILITIES-OTHER>                              2,394
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,987
<OTHER-SE>                                      36,309
<TOTAL-LIABILITIES-AND-EQUITY>                 445,184
<INTEREST-LOAN>                                  5,097
<INTEREST-INVEST>                                2,109
<INTEREST-OTHER>                                   282
<INTEREST-TOTAL>                                 7,488
<INTEREST-DEPOSIT>                               2,809
<INTEREST-EXPENSE>                               3,160
<INTEREST-INCOME-NET>                            4,328
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,962
<INCOME-PRETAX>                                  2,122
<INCOME-PRE-EXTRAORDINARY>                       1,428
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,428
<EPS-BASIC>                                       2.39<F1>
<EPS-DILUTED>                                     2.39<F1>
<YIELD-ACTUAL>                                    4.38<F1>
<LOANS-NON>                                        443
<LOANS-PAST>                                       121
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    443
<ALLOWANCE-OPEN>                                 3,132
<CHARGE-OFFS>                                      166
<RECOVERIES>                                        83
<ALLOWANCE-CLOSE>                                3,199
<ALLOWANCE-DOMESTIC>                             3,199
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>MULTIPLIER IS NOT APPLICABLE TO EPS AND YIELD DATA.
</FN>


</TABLE>