<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE 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 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>                                           8,064
<INT-BEARING-DEPOSITS>                              14
<FED-FUNDS-SOLD>                                27,015
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,061
<INVESTMENTS-CARRYING>                          61,403
<INVESTMENTS-MARKET>                            62,787
<LOANS>                                        183,466
<ALLOWANCE>                                      3,497
<TOTAL-ASSETS>                                 315,500
<DEPOSITS>                                     266,147
<SHORT-TERM>                                     7,133
<LIABILITIES-OTHER>                              1,094
<LONG-TERM>                                      9,538
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,615
<OTHER-SE>                                      14,972
<TOTAL-LIABILITIES-AND-EQUITY>                 315,500
<INTEREST-LOAN>                                  4,440
<INTEREST-INVEST>                                1,218
<INTEREST-OTHER>                                   161
<INTEREST-TOTAL>                                 5,819
<INTEREST-DEPOSIT>                               2,716
<INTEREST-EXPENSE>                               2,934
<INTEREST-INCOME-NET>                            2,885
<LOAN-LOSSES>                                      648
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,742
<INCOME-PRETAX>                                  1,168
<INCOME-PRE-EXTRAORDINARY>                       1,168
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       919
<EPS-PRIMARY>                                     0.35
<EPS-DILUTED>                                     0.35
<YIELD-ACTUAL>                                    3.88
<LOANS-NON>                                      1,582
<LOANS-PAST>                                       575
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,888
<CHARGE-OFFS>                                       45
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                3,497
<ALLOWANCE-DOMESTIC>                             2,754
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            743
        

</TABLE>