<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1999             MAR-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               MAR-31-1999             MAR-31-1998
<CASH>                                          14,569                  13,892
<INT-BEARING-DEPOSITS>                               0                       3
<FED-FUNDS-SOLD>                                16,040                  13,270
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     34,854                  27,082
<INVESTMENTS-CARRYING>                           6,689                   7,146
<INVESTMENTS-MARKET>                             6,805                   7,249
<LOANS>                                        346,063                 295,182
<ALLOWANCE>                                      3,095                   2,187
<TOTAL-ASSETS>                                 429,938                 367,207
<DEPOSITS>                                     366,951                 319,480
<SHORT-TERM>                                     5,530                   5,080
<LIABILITIES-OTHER>                              3,796                   3,818
<LONG-TERM>                                      8,650                  17,440
<PREFERRED-MANDATORY>                           23,000                       0
<PREFERRED>                                          0                       0
<COMMON>                                           144                     140
<OTHER-SE>                                      21,867                  20,566
<TOTAL-LIABILITIES-AND-EQUITY>                 429,938                 367,207
<INTEREST-LOAN>                                  7,975                   4,860
<INTEREST-INVEST>                                  472                     368
<INTEREST-OTHER>                                   180                     119
<INTEREST-TOTAL>                                 8,627                   5,347
<INTEREST-DEPOSIT>                               3,825                   2,277
<INTEREST-EXPENSE>                               4,340                   2,426
<INTEREST-INCOME-NET>                            4,287                   2,921
<LOAN-LOSSES>                                      915                      60
<SECURITIES-GAINS>                                   0                     (4)
<EXPENSE-OTHER>                                  3,189                   1,887
<INCOME-PRETAX>                                  1,043                   1,572
<INCOME-PRE-EXTRAORDINARY>                         712                   1,170
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       712                   1,170
<EPS-PRIMARY>                                     4.93                    8.36
<EPS-DILUTED>                                     4.93                    8.36
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                        394                     460
<LOANS-PAST>                                       525                   1,297
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,187                   1,321
<CHARGE-OFFS>                                       20                      12
<RECOVERIES>                                        13                      18
<ALLOWANCE-CLOSE>                                3,095                   1,387
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          3,095                   1,387
        

</TABLE>