<TABLE> <S> <C>

<ARTICLE> 9
<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>                                                               34,587
<INT-BEARING-DEPOSITS>                                              291,026
<FED-FUNDS-SOLD>                                                     13,650
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                         133,193
<INVESTMENTS-CARRYING>                                               24,303
<INVESTMENTS-MARKET>                                                157,984
<LOANS>                                                             220,406
<ALLOWANCE>                                                           3,635
<TOTAL-ASSETS>                                                      443,296
<DEPOSITS>                                                          355,299
<SHORT-TERM>                                                         10,967
<LIABILITIES-OTHER>                                                   5,252
<LONG-TERM>                                                          17,891
<COMMON>                                                                 29
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                           53,858
<TOTAL-LIABILITIES-AND-EQUITY>                                      443,296
<INTEREST-LOAN>                                                       4,451
<INTEREST-INVEST>                                                     2,313
<INTEREST-OTHER>                                                        141
<INTEREST-TOTAL>                                                      6,905
<INTEREST-DEPOSIT>                                                    2,855
<INTEREST-EXPENSE>                                                    3,194
<INTEREST-INCOME-NET>                                                 3,711
<LOAN-LOSSES>                                                            61
<SECURITIES-GAINS>                                                       11
<EXPENSE-OTHER>                                                       4,621
<INCOME-PRETAX>                                                       2,198
<INCOME-PRE-EXTRAORDINARY>                                            2,198
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          1,527
<EPS-PRIMARY>                                                          0.55
<EPS-DILUTED>                                                          0.55
<YIELD-ACTUAL>                                                         3.31
<LOANS-NON>                                                             299
<LOANS-PAST>                                                          2,815
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                       1,617
<ALLOWANCE-OPEN>                                                      3,573
<CHARGE-OFFS>                                                            39
<RECOVERIES>                                                             40
<ALLOWANCE-CLOSE>                                                     3,635
<ALLOWANCE-DOMESTIC>                                                  2,770
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 865
        

</TABLE>