<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS
FOUND ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE,
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</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>                                           7,242
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,050
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    115,293
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        248,674
<ALLOWANCE>                                      4,071
<TOTAL-ASSETS>                                 386,130
<DEPOSITS>                                     341,226
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,513
<LONG-TERM>                                         41
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           729
<OTHER-SE>                                      39,621
<TOTAL-LIABILITIES-AND-EQUITY>                 386,130
<INTEREST-LOAN>                                  5,093
<INTEREST-INVEST>                                1,543
<INTEREST-OTHER>                                    48
<INTEREST-TOTAL>                                 6,684
<INTEREST-DEPOSIT>                               3,377
<INTEREST-EXPENSE>                               3,379
<INTEREST-INCOME-NET>                            3,305
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,228
<INCOME-PRETAX>                                  1,459
<INCOME-PRE-EXTRAORDINARY>                       1,459
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,140
<EPS-PRIMARY>                                     0.52
<EPS-DILUTED>                                     0.52
<YIELD-ACTUAL>                                    7.83
<LOANS-NON>                                      2,601
<LOANS-PAST>                                     2,896
<LOANS-TROUBLED>                                   170
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,050
<CHARGE-OFFS>                                       57
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                4,071
<ALLOWANCE-DOMESTIC>                             4,071
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>