<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 10,718 <INT-BEARING-DEPOSITS> 2,193 <FED-FUNDS-SOLD> 275 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 54,300 <INVESTMENTS-CARRYING> 16,166 <INVESTMENTS-MARKET> 16,235 <LOANS> 321,242 <ALLOWANCE> 2,669 <TOTAL-ASSETS> 413,441 <DEPOSITS> 363,047 <SHORT-TERM> 12,562 <LIABILITIES-OTHER> 1,882 <LONG-TERM> 5,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 30,950 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 413,441 <INTEREST-LOAN> 6,029 <INTEREST-INVEST> 1,276 <INTEREST-OTHER> 38 <INTEREST-TOTAL> 7,343 <INTEREST-DEPOSIT> 3,080 <INTEREST-EXPENSE> 3,325 <INTEREST-INCOME-NET> 4,018 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 92 <EXPENSE-OTHER> 2,915 <INCOME-PRETAX> 1,646 <INCOME-PRE-EXTRAORDINARY> 1,646 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,021 <EPS-PRIMARY> 0.24 <EPS-DILUTED> 0.24 <YIELD-ACTUAL> 4.16 <LOANS-NON> 952 <LOANS-PAST> 147 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,099 <ALLOWANCE-OPEN> 2,665 <CHARGE-OFFS> 105 <RECOVERIES> 34 <ALLOWANCE-CLOSE> 2,669 <ALLOWANCE-DOMESTIC> 2,669 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0