<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>                                                              21,095
<INT-BEARING-DEPOSITS>                                               1,499
<FED-FUNDS-SOLD>                                                    12,280
<TRADING-ASSETS>                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                         86,499
<INVESTMENTS-CARRYING>                                                   0
<INVESTMENTS-MARKET>                                                     0
<LOANS>                                                            360,945
<ALLOWANCE>                                                          4,465
<TOTAL-ASSETS>                                                     505,359
<DEPOSITS>                                                         404,018
<SHORT-TERM>                                                         8,026
<LIABILITIES-OTHER>                                                  4,179
<LONG-TERM>                                                         37,354
<COMMON>                                                             1,217
<PREFERRED-MANDATORY>                                                    0
<PREFERRED>                                                              0
<OTHER-SE>                                                          50,565
<TOTAL-LIABILITIES-AND-EQUITY>                                     505,359
<INTEREST-LOAN>                                                      8,202
<INTEREST-INVEST>                                                    1,341
<INTEREST-OTHER>                                                       227
<INTEREST-TOTAL>                                                     9,770
<INTEREST-DEPOSIT>                                                   3,951
<INTEREST-EXPENSE>                                                   4,615
<INTEREST-INCOME-NET>                                                5,155
<LOAN-LOSSES>                                                          162
<SECURITIES-GAINS>                                                     (12)
<EXPENSE-OTHER>                                                      4,058
<INCOME-PRETAX>                                                      2,519
<INCOME-PRE-EXTRAORDINARY>                                           1,722
<EXTRAORDINARY>                                                          0
<CHANGES>                                                                0
<NET-INCOME>                                                         1,722
<EPS-PRIMARY>                                                          .21
<EPS-DILUTED>                                                          .20
<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>