<TABLE> <S> <C>

<ARTICLE>               9
<MULTIPLIER>            1,000
       
<S>                                                    <C>    
<PERIOD-TYPE>                                          3-MOS
<FISCAL-YEAR-END>                                      DEC-31-1999
<PERIOD-END>                                           MAR-31-1999
<CASH>                                                      14,764
<INT-BEARING-DEPOSITS>                                     238,943
<FED-FUNDS-SOLD>                                            12,907
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 64,517
<INVESTMENTS-CARRYING>                                       8,666
<INVESTMENTS-MARKET>                                         8,661
<LOANS>                                                    222,635
<ALLOWANCE>                                                  2,423
<TOTAL-ASSETS>                                             331,590
<DEPOSITS>                                                 293,356
<SHORT-TERM>                                                 1,865
<LIABILITIES-OTHER>                                          2,096
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                     8,250
<OTHER-SE>                                                  26,215
<TOTAL-LIABILITIES-AND-EQUITY>                             331,590
<INTEREST-LOAN>                                              4,925
<INTEREST-INVEST>                                            1,286
<INTEREST-OTHER>                                                 0
<INTEREST-TOTAL>                                             6,211
<INTEREST-DEPOSIT>                                           2,564
<INTEREST-EXPENSE>                                           2,564
<INTEREST-INCOME-NET>                                        3,647
<LOAN-LOSSES>                                                   80
<SECURITIES-GAINS>                                             (4)
<EXPENSE-OTHER>                                              2,413
<INCOME-PRETAX>                                              1,671
<INCOME-PRE-EXTRAORDINARY>                                   1,671
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 1,144
<EPS-PRIMARY>                                                 0.41
<EPS-DILUTED>                                                 0.39
<YIELD-ACTUAL>                                                7.68
<LOANS-NON>                                                    675
<LOANS-PAST>                                                 1,317
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                              5,660
<ALLOWANCE-OPEN>                                             2,345
<CHARGE-OFFS>                                                   10
<RECOVERIES>                                                     8
<ALLOWANCE-CLOSE>                                            2,423
<ALLOWANCE-DOMESTIC>                                         2,423
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0
        

</TABLE>