<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
<S>                                            <C>               <C>         
<PERIOD-TYPE>                                  3-MOS             3-MOS       
<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 
<CASH>                                         11217             10049
<INT-BEARING-DEPOSITS>                         0                 0
<FED-FUNDS-SOLD>                               3300              5650
<TRADING-ASSETS>                               0                 0
<INVESTMENTS-HELD-FOR-SALE>                    51474             42031
<INVESTMENTS-CARRYING>                         0                 0
<INVESTMENTS-MARKET>                           0                 0
<LOANS>                                        139177            123560
<ALLOWANCE>                                    2799              2684
<TOTAL-ASSETS>                                 213227            188172
<DEPOSITS>                                     186358            170481
<SHORT-TERM>                                   0                 0
<LIABILITIES-OTHER>                            1959              1491
<LONG-TERM>                                    3000              0
<PREFERRED-MANDATORY>                          0                 0
<PREFERRED>                                    0                 0
<COMMON>                                       7438              5934
<OTHER-SE>                                     14472             10266
<TOTAL-LIABILITIES-AND-EQUITY>                 213227            188172
<INTEREST-LOAN>                                2980              2804
<INTEREST-INVEST>                              743               651
<INTEREST-OTHER>                               42                49
<INTEREST-TOTAL>                               3765              3504
<INTEREST-DEPOSIT>                             1327              1342
<INTEREST-EXPENSE>                             1361              1342
<INTEREST-INCOME-NET>                          2404              2162
<LOAN-LOSSES>                                  60                60
<SECURITIES-GAINS>                             0                 0
<EXPENSE-OTHER>                                2152              2046
<INCOME-PRETAX>                                637               496
<INCOME-PRE-EXTRAORDINARY>                     637               496
<EXTRAORDINARY>                                0                 0
<CHANGES>                                      0                 0
<NET-INCOME>                                   482               401
<EPS-PRIMARY>                                  .23               .23
<EPS-DILUTED>                                  .23               .23
<YIELD-ACTUAL>                                 5.24              5.30
<LOANS-NON>                                    94                1449
<LOANS-PAST>                                   0                 0
<LOANS-TROUBLED>                               610               507
<LOANS-PROBLEM>                                0                 0
<ALLOWANCE-OPEN>                               2750              2660
<CHARGE-OFFS>                                  24                56
<RECOVERIES>                                   13                20
<ALLOWANCE-CLOSE>                              2799              2684
<ALLOWANCE-DOMESTIC>                           2618              2642
<ALLOWANCE-FOREIGN>                            0                 0
<ALLOWANCE-UNALLOCATED>                        181               42
                                                                 

</TABLE>