<ARTICLE>                                            9
<MULTIPLIER>                                     1,000

       
                                                             
<PERIOD-TYPE>                                  3-MOS        3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999  DEC-31-1998
<PERIOD-END>                                   MAR-31-1999  MAR-31-1998
<CASH>                                         17,442       13,236
<INT-BEARING-DEPOSITS>                         0            0
<FED-FUNDS-SOLD>                               3,000        6,400
<TRADING-ASSETS>                               0            0
<INVESTMENTS-HELD-FOR-SALE>                    90,413       68,364
<INVESTMENTS-CARRYING>                         22,426       22,764
<INVESTMENTS-MARKET>                           0            0
<LOANS>                                        310,391      259,870
<ALLOWANCE>                                    3,940        3,197
<TOTAL-ASSETS>                                 469,993      392,011
<DEPOSITS>                                     351,269      309,831
<SHORT-TERM>                                   42,235       22,621
<LIABILITIES-OTHER>                            3,492        5,980
<LONG-TERM>                                    29,314       17,900
<PREFERRED-MANDATORY>                          0            0          
<PREFERRED>                                    0            0       
<COMMON>                                       3,698        34,924
<OTHER-SE>                                     39,986       34,924
<TOTAL-LIABILITIES-AND-EQUITY>                 469,993      392,011
<INTEREST-LOAN>                                7,087        5,730
<INTEREST-INVEST>                              1,616        1,247
<INTEREST-OTHER>                               100          94
<INTEREST-TOTAL>                               8,815        7,071
<INTEREST-DEPOSIT>                             3,394        3,081
<INTEREST-EXPENSE>                             4,184        3,392
<INTEREST-INCOME-NET>                          4,631        3,679
<LOAN-LOSSES>                                  206          210
<SECURITIES-GAINS>                             31           26
<EXPENSE-OTHER>                                3,736        2,869
<INCOME-PRETAX>                                2,073        1,676
<INCOME-PRE-EXTRAORDINARY>                     1,357        1,108
<EXTRAORDINARY>                                0            0
<CHANGES>                                      0            0
<NET-INCOME>                                   1,357        1,108   
<EPS-PRIMARY>                                  0.38         0.36
<EPS-DILUTED>                                  0.38         0.36
<YIELD-ACTUAL>                                 4.35         4.12    
<LOANS-NON>                                    829          418     
<LOANS-PAST>                                   980          472     
<LOANS-TROUBLED>                               0            0       
<LOANS-PROBLEM>                                7,887        4,869   
<ALLOWANCE-OPEN>                               3,530        3,159   
<CHARGE-OFFS>                                  219          248     
<RECOVERIES>                                   80           76      
<ALLOWANCE-CLOSE>                              3,940        3,197   
<ALLOWANCE-DOMESTIC>                           3,940        3,197   
<ALLOWANCE-FOREIGN>                            0            0       
<ALLOWANCE-UNALLOCATED>                        0            0