<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<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>                                          28,369
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     83,712
<INVESTMENTS-CARRYING>                          37,320
<INVESTMENTS-MARKET>                            37,717
<LOANS>                                        258,636
<ALLOWANCE>                                      1,992
<TOTAL-ASSETS>                                 415,658
<DEPOSITS>                                     364,204
<SHORT-TERM>                                     6,091
<LIABILITIES-OTHER>                              2,315
<LONG-TERM>                                      4,142
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      35,127
<TOTAL-LIABILITIES-AND-EQUITY>                 415,658
<INTEREST-LOAN>                                  5,341
<INTEREST-INVEST>                                1,914
<INTEREST-OTHER>                                    75
<INTEREST-TOTAL>                                 7,330
<INTEREST-DEPOSIT>                               3,358
<INTEREST-EXPENSE>                               3,494
<INTEREST-INCOME-NET>                            3,836
<LOAN-LOSSES>                                      224
<SECURITIES-GAINS>                                  20
<EXPENSE-OTHER>                                  3,053
<INCOME-PRETAX>                                  1,803
<INCOME-PRE-EXTRAORDINARY>                       1,225
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,225
<EPS-PRIMARY>                                      .29
<EPS-DILUTED>                                      .29
<YIELD-ACTUAL>                                    3.71
<LOANS-NON>                                        867
<LOANS-PAST>                                       118
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,948
<CHARGE-OFFS>                                      228
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                1,992
<ALLOWANCE-DOMESTIC>                             1,705
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            287
        

</TABLE>