<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
REGISTRANT'S  MARCH 31, 1999  UNAUDITED  STATEMENT  OF  CONDITION,  STATEMENT OF
OPERATION AND STATEMENT OF CASH FLOWS,  AND NOTES  THERETO,  AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000
<CURRENCY>                                     US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   MAR-31-1999
<EXCHANGE-RATE>                                          1
<CASH>                                              14,170
<INT-BEARING-DEPOSITS>                              11,957
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         74,958
<INVESTMENTS-CARRYING>                              43,855
<INVESTMENTS-MARKET>                                43,688
<LOANS>                                            230,365
<ALLOWANCE>                                          4,005
<TOTAL-ASSETS>                                     381,192
<DEPOSITS>                                         307,696
<SHORT-TERM>                                        10,507
<LIABILITIES-OTHER>                                  2,577
<LONG-TERM>                                         31,805
<PREFERRED-MANDATORY>                                    0 
<PREFERRED>                                              0
<COMMON>                                                27
<OTHER-SE>                                          28,580
<TOTAL-LIABILITIES-AND-EQUITY>                     381,192
<INTEREST-LOAN>                                      4,220
<INTEREST-INVEST>                                    1,669
<INTEREST-OTHER>                                        77
<INTEREST-TOTAL>                                     5,966
<INTEREST-DEPOSIT>                                   1,871
<INTEREST-EXPENSE>                                   2,392
<INTEREST-INCOME-NET>                                3,574
<LOAN-LOSSES>                                          167
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      2,847
<INCOME-PRETAX>                                      1,240
<INCOME-PRE-EXTRAORDINARY>                             752
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           752
<EPS-PRIMARY>                                         0.28
<EPS-DILUTED>                                         0.27
<YIELD-ACTUAL>                                        7.03
<LOANS-NON>                                          2,305
<LOANS-PAST>                                            19
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     3,839
<CHARGE-OFFS>                                            3
<RECOVERIES>                                             2
<ALLOWANCE-CLOSE>                                    4,005
<ALLOWANCE-DOMESTIC>                                 4,005
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>