<TABLE> <S> <C>


<ARTICLE>                     9
<CIK>                         0883756
<NAME>                        TO COME
<MULTIPLIER>                                  1,000
<CURRENCY>                                    U.S. Dollars

       
<S>                                           <C>               <C>
<PERIOD-TYPE>                                 YEAR              YEAR
<FISCAL-YEAR-END>                             DEC-31-1999       DEC-31-1998
<PERIOD-START>                                JAN-01-1999       JAN-01-1998
<PERIOD-END>                                  MAR-31-1999       MAR-31-1998
<EXCHANGE-RATE>                                     1.000             1.000
<CASH>                                             18,273            20,382
<INT-BEARING-DEPOSITS>                                  0                 0
<FED-FUNDS-SOLD>                                        0             2,975
<TRADING-ASSETS>                                        0                 0
<INVESTMENTS-HELD-FOR-SALE>                       187,085           168,021
<INVESTMENTS-CARRYING>                            114,062           111,931
<INVESTMENTS-MARKET>                              119,046           117,492
<LOANS>                                           385,707           357,254
<ALLOWANCE>                                         8,390             8,387
<TOTAL-ASSETS>                                    717,562           674,596
<DEPOSITS>                                        626,622           587,562
<SHORT-TERM>                                       18,324            16,684
<LIABILITIES-OTHER>                                 8,740             7,969
<LONG-TERM>                                         6,441             6,847
<PREFERRED-MANDATORY>                                   0                 0
<PREFERRED>                                             0                 0
<COMMON>                                            9,763             9,719
<OTHER-SE>                                         47,672            45,815
<TOTAL-LIABILITIES-AND-EQUITY>                    717,562           674,596
<INTEREST-LOAN>                                     8,389             7,871
<INTEREST-INVEST>                                   4,605             4,644
<INTEREST-OTHER>                                       33                30
<INTEREST-TOTAL>                                   13,027            12,546
<INTEREST-DEPOSIT>                                  6,065             5,746
<INTEREST-EXPENSE>                                    250               345
<INTEREST-INCOME-NET>                               6,712             6,454
<LOAN-LOSSES>                                         270               150
<SECURITIES-GAINS>                                     71                94
<EXPENSE-OTHER>                                     5,019             4,909
<INCOME-PRETAX>                                     2,513             2,393
<INCOME-PRE-EXTRAORDINARY>                          1,851             1,770
<EXTRAORDINARY>                                         0                 0
<CHANGES>                                               0                 0
<NET-INCOME>                                        1,851             1,770
<EPS-PRIMARY>                                        0.24              0.23<F1>
<EPS-DILUTED>                                        0.24              0.23<F2>
<YIELD-ACTUAL>                                       4.21              4.47<F3>
<LOANS-NON>                                         3,716             2,823
<LOANS-PAST>                                        1,244             1,964
<LOANS-TROUBLED>                                        0                 0
<LOANS-PROBLEM>                                         0                 0
<ALLOWANCE-OPEN>                                    8,390             8,378
<CHARGE-OFFS>                                         344               263
<RECOVERIES>                                           80               122
<ALLOWANCE-CLOSE>                                   8,390             8,387
<ALLOWANCE-DOMESTIC>                                8,390             8,387
<ALLOWANCE-FOREIGN>                                     0                 0
<ALLOWANCE-UNALLOCATED>                             2,243             2,875

<FN>
<F1>
Basic earnings per share under SFAS No.128
<F2>
Diluted earnings per share under SFAS No. 128
<F3>
Fully taxable equivalent
</FN>
        

</TABLE>