<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                           <C>
<PERIOD-TYPE>                                  3-MOS       
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                           2,526    
<INT-BEARING-DEPOSITS>                          18,242    
<FED-FUNDS-SOLD>                                     0    
<TRADING-ASSETS>                                     0    
<INVESTMENTS-HELD-FOR-SALE>                    318,322
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        135,806
<ALLOWANCE>                                      1,061
<TOTAL-ASSETS>                                 499,844
<DEPOSITS>                                     276,571
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            133,644
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           900
<OTHER-SE>                                       88,729
<TOTAL-LIABILITIES-AND-EQUITY>                 499,844
<INTEREST-LOAN>                                  2,749
<INTEREST-INVEST>                                5,021
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,770
<INTEREST-DEPOSIT>                               2,853
<INTEREST-EXPENSE>                               4,300
<INTEREST-INCOME-NET>                            3,470
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  1,921
<INCOME-PRETAX>                                  1,667
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,205
<EPS-PRIMARY>                                      .16
<EPS-DILUTED>                                      .15
<YIELD-ACTUAL>                                    6.61
<LOANS-NON>                                        483
<LOANS-PAST>                                       483
<LOANS-TROUBLED>                                   104
<LOANS-PROBLEM>                                  2,344
<ALLOWANCE-OPEN>                                 1,036
<CHARGE-OFFS>                                       (5)
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,061
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>