<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1999 <CASH> 6,567 <INT-BEARING-DEPOSITS> 20 <FED-FUNDS-SOLD> 6,152 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 52,347 <INVESTMENTS-CARRYING> 52,347 <INVESTMENTS-MARKET> 52,347 <LOANS> 163,097 <ALLOWANCE> 2,057 <TOTAL-ASSETS> 240,631 <DEPOSITS> 188,087 <SHORT-TERM> 6,337 <LIABILITIES-OTHER> 3,863 <LONG-TERM> 20,822 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 214 <OTHER-SE> 21,308 <TOTAL-LIABILITIES-AND-EQUITY> 240,631 <INTEREST-LOAN> 3,465 <INTEREST-INVEST> 762 <INTEREST-OTHER> 82 <INTEREST-TOTAL> 4,309 <INTEREST-DEPOSIT> 1,581 <INTEREST-EXPENSE> 1,922 <INTEREST-INCOME-NET> 2,387 <LOAN-LOSSES> 90 <SECURITIES-GAINS> (9) <EXPENSE-OTHER> 1,829 <INCOME-PRETAX> 1,172 <INCOME-PRE-EXTRAORDINARY> 849 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 849 <EPS-PRIMARY> .41 <EPS-DILUTED> .41 <YIELD-ACTUAL> 4.63 <LOANS-NON> 483 <LOANS-PAST> 183 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,971 <CHARGE-OFFS> 1 <RECOVERIES> 5 <ALLOWANCE-CLOSE> 2,057 <ALLOWANCE-DOMESTIC> 2,057 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,111