<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
FINANCIAL DATA SCHEDULE - THIS EXHIBIT IS INCLUDED ONLY IN THE ELECTRONIC EDGAR
FILING VERSION OF THIS FORM 10-K. THE FINANCIAL DATA SCHEDULE IS NOT A SEPARATE
FINANCIAL STATEMENT, BUT A SCHEDULE THAT SUMMARIZES CERTAIN STANDARD FINANCIAL
INFORMATION EXTRACTED DIRECTLY FROM THE FINANCIAL STATEMENTS IN THIS FILING.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           9,554
<INT-BEARING-DEPOSITS>                          19,129
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     51,156
<INVESTMENTS-CARRYING>                           9,993
<INVESTMENTS-MARKET>                            10,112
<LOANS>                                        134,789
<ALLOWANCE>                                      1,454
<TOTAL-ASSETS>                                 230,678
<DEPOSITS>                                     186,368
<SHORT-TERM>                                    15,480
<LIABILITIES-OTHER>                                903
<LONG-TERM>                                      4,133
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,676
<OTHER-SE>                                       7,119
<TOTAL-LIABILITIES-AND-EQUITY>                 230,679
<INTEREST-LOAN>                                  3,073
<INTEREST-INVEST>                                  783
<INTEREST-OTHER>                                   240
<INTEREST-TOTAL>                                 4,096
<INTEREST-DEPOSIT>                               1,296
<INTEREST-EXPENSE>                               1,482
<INTEREST-INCOME-NET>                            2,614
<LOAN-LOSSES>                                       66
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,899
<INCOME-PRETAX>                                  1,219
<INCOME-PRE-EXTRAORDINARY>                       1,219
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       794
<EPS-PRIMARY>                                      .20
<EPS-DILUTED>                                      .20
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                        283
<LOANS-PAST>                                       301
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,419
<CHARGE-OFFS>                                       31
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,454
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,454
<FN>
<F1>INFORMATION NOT CALCULATED FOR INTERIM REPORTS.
</FN>
        

</TABLE>