<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000

<S>                                                  <C>
<PERIOD-TYPE>                                               3-MOS
<FISCAL-YEAR-END>                                     DEC-31-1999
<PERIOD-START>                                        JAN-01-1999
<PERIOD-END>                                          MAR-31-1999
<CASH>                                                     21,976
<INT-BEARING-DEPOSITS>                                     12,954
<FED-FUNDS-SOLD>                                           12,930
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                91,672
<INVESTMENTS-CARRYING>                                          0
<INVESTMENTS-MARKET>                                            0
<LOANS>                                                   448,143
<ALLOWANCE>                                                 5,202
<TOTAL-ASSETS>                                            611,540
<DEPOSITS>                                                494,742
<SHORT-TERM>                                                8,026
<LIABILITIES-OTHER>                                         4,481
<LONG-TERM>                                                37,354
<COMMON>                                                    1,217
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                 65,720
<TOTAL-LIABILITIES-AND-EQUITY>                            611,540
<INTEREST-LOAN>                                             9,958
<INTEREST-INVEST>                                           1,402
<INTEREST-OTHER>                                              353
<INTEREST-TOTAL>                                           11,713
<INTEREST-DEPOSIT>                                          5,038
<INTEREST-EXPENSE>                                          5,702
<INTEREST-INCOME-NET>                                       6,011
<LOAN-LOSSES>                                                 162
<SECURITIES-GAINS>                                           (12)
<EXPENSE-OTHER>                                             4,518
<INCOME-PRETAX>                                             3,017
<INCOME-PRE-EXTRAORDINARY>                                  2,043
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                2,043
<EPS-BASIC>                                                 .21
<EPS-DILUTED>                                                 .21
<YIELD-ACTUAL>                                                  0
<LOANS-NON>                                                     0
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                                0
<CHARGE-OFFS>                                                   0
<RECOVERIES>                                                    0
<ALLOWANCE-CLOSE>                                               0
<ALLOWANCE-DOMESTIC>                                            0
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0


</TABLE>