<TABLE> <S> <C>

<ARTICLE>  9
<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>                                                  25,627
<INT-BEARING-DEPOSITS>                                     443
<FED-FUNDS-SOLD>                                        18,675
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             47,080
<INVESTMENTS-CARRYING>                                  30,883
<INVESTMENTS-MARKET>                                    32,071
<LOANS>                                                329,440
<ALLOWANCE>                                              4,970
<TOTAL-ASSETS>                                         474,911
<DEPOSITS>                                             420,816
<SHORT-TERM>                                             6,170
<LIABILITIES-OTHER>                                      6,407
<LONG-TERM>                                                  0
<COMMON>                                                 2,170
<PREFERRED-MANDATORY>                                   14,254
<PREFERRED>                                                  0
<OTHER-SE>                                              25,094
<TOTAL-LIABILITIES-AND-EQUITY>                         474,911
<INTEREST-LOAN>                                          8,136
<INTEREST-INVEST>                                        1,299
<INTEREST-OTHER>                                             5
<INTEREST-TOTAL>                                         9,440
<INTEREST-DEPOSIT>                                       4,124
<INTEREST-EXPENSE>                                       4,203
<INTEREST-INCOME-NET>                                    5,237
<LOAN-LOSSES>                                              270
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                          5,685
<INCOME-PRETAX>                                          1,799
<INCOME-PRE-EXTRAORDINARY>                               1,799
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             1,332
<EPS-PRIMARY>                                              .61
<EPS-DILUTED>                                              .61
<YIELD-ACTUAL>                                            1.23
<LOANS-NON>                                                817
<LOANS-PAST>                                             1,704
<LOANS-TROUBLED>                                           762
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         4,863
<CHARGE-OFFS>                                              228
<RECOVERIES>                                                65
<ALLOWANCE-CLOSE>                                        4,970
<ALLOWANCE-DOMESTIC>                                         0
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                  4,970
        

</TABLE>