<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>                                                                  3,156
<INT-BEARING-DEPOSITS>                                                 15,426
<FED-FUNDS-SOLD>                                                            0
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                            46,553
<INVESTMENTS-CARRYING>                                                 25,170
<INVESTMENTS-MARKET>                                                   25,277
<LOANS>                                                               685,795
<ALLOWANCE>                                                             3,031
<TOTAL-ASSETS>                                                        807,530
<DEPOSITS>                                                            617,120
<SHORT-TERM>                                                                0
<LIABILITIES-OTHER>                                                    85,986
<LONG-TERM>                                                                 0
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                                  912
<OTHER-SE>                                                             95,396
<TOTAL-LIABILITIES-AND-EQUITY>                                        807,530
<INTEREST-LOAN>                                                        12,956
<INTEREST-INVEST>                                                       1,112
<INTEREST-OTHER>                                                          393
<INTEREST-TOTAL>                                                       14,461
<INTEREST-DEPOSIT>                                                      6,806
<INTEREST-EXPENSE>                                                      8,014
<INTEREST-INCOME-NET>                                                   6,447
<LOAN-LOSSES>                                                              75
<SECURITIES-GAINS>                                                          0
<EXPENSE-OTHER>                                                         8,062
<INCOME-PRETAX>                                                        (1,231)
<INCOME-PRE-EXTRAORDINARY>                                                  0
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                           (1,220)
<EPS-PRIMARY>                                                            (.14)
<EPS-DILUTED>                                                            (.14)
<YIELD-ACTUAL>                                                           3.30
<LOANS-NON>                                                             1,013
<LOANS-PAST>                                                            1,870
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                             0
<ALLOWANCE-OPEN>                                                        2,960
<CHARGE-OFFS>                                                               4
<RECOVERIES>                                                                0
<ALLOWANCE-CLOSE>                                                       3,031
<ALLOWANCE-DOMESTIC>                                                        0
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                 3,031
        


</TABLE>