<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>                                             13,350
<INT-BEARING-DEPOSITS>                                 55
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        79,558
<INVESTMENTS-CARRYING>                            145,409
<INVESTMENTS-MARKET>                              144,670
<LOANS>                                           297,495
<ALLOWANCE>                                         3,423
<TOTAL-ASSETS>                                    701,483
<DEPOSITS>                                        545,904
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                                 5,334
<LONG-TERM>                                       106,337
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              790
<OTHER-SE>                                         43,118
<TOTAL-LIABILITIES-AND-EQUITY>                    701,483
<INTEREST-LOAN>                                     5,659
<INTEREST-INVEST>                                   3,998
<INTEREST-OTHER>                                    1,496
<INTEREST-TOTAL>                                   11,154
<INTEREST-DEPOSIT>                                  4,334
<INTEREST-EXPENSE>                                  5,958
<INTEREST-INCOME-NET>                               5,196
<LOAN-LOSSES>                                          60
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                     3,587
<INCOME-PRETAX>                                     1,549
<INCOME-PRE-EXTRAORDINARY>                              0
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          987
<EPS-PRIMARY>                                        0.14
<EPS-DILUTED>                                        0.13
<YIELD-ACTUAL>                                       3.21
<LOANS-NON>                                         3,825
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                      504
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                    3,342
<CHARGE-OFFS>                                           0
<RECOVERIES>                                           20
<ALLOWANCE-CLOSE>                                   3,423
<ALLOWANCE-DOMESTIC>                                3,423
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                             3,174
        


</TABLE>