<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE 
TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                              JAN-1-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          13,849
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     40,952
<INVESTMENTS-CARRYING>                          23,213
<INVESTMENTS-MARKET>                            23,896
<LOANS>                                        166,218
<ALLOWANCE>                                      2,124
<TOTAL-ASSETS>                                 263,221
<DEPOSITS>                                     229,631
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              6,257
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,382
<OTHER-SE>                                      17,951
<TOTAL-LIABILITIES-AND-EQUITY>                 263,221
<INTEREST-LOAN>                                  3,765
<INTEREST-INVEST>                                  969
<INTEREST-OTHER>                                    25
<INTEREST-TOTAL>                                 4,759
<INTEREST-DEPOSIT>                               1,919
<INTEREST-EXPENSE>                               2,037
<INTEREST-INCOME-NET>                            2,722
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,244
<INCOME-PRETAX>                                    992
<INCOME-PRE-EXTRAORDINARY>                         992
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       781
<EPS-PRIMARY>                                      .42
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    4.81
<LOANS-NON>                                        296
<LOANS-PAST>                                     1,047
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,655
<ALLOWANCE-OPEN>                                 2,026
<CHARGE-OFFS>                                       92
<RECOVERIES>                                        40
<ALLOWANCE-CLOSE>                                2,124
<ALLOWANCE-DOMESTIC>                             1,348
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            776
        

</TABLE>