<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          12,672
<INT-BEARING-DEPOSITS>                          12,684
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     23,325
<INVESTMENTS-CARRYING>                          16,130
<INVESTMENTS-MARKET>                            16,327
<LOANS>                                        416,075
<ALLOWANCE>                                      2,399
<TOTAL-ASSETS>                                 494,269
<DEPOSITS>                                     371,805
<SHORT-TERM>                                     1,408
<LIABILITIES-OTHER>                              3,380
<LONG-TERM>                                     63,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      54,632
<TOTAL-LIABILITIES-AND-EQUITY>                 494,269
<INTEREST-LOAN>                                  8,086
<INTEREST-INVEST>                                  565
<INTEREST-OTHER>                                   200
<INTEREST-TOTAL>                                 8,851
<INTEREST-DEPOSIT>                               3,940
<INTEREST-EXPENSE>                               4,748
<INTEREST-INCOME-NET>                            4,103
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,374
<INCOME-PRETAX>                                  2,818
<INCOME-PRE-EXTRAORDINARY>                       1,734
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,734
<EPS-PRIMARY>                                      .49
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    3.60
<LOANS-NON>                                        556
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,283
<CHARGE-OFFS>                                      101
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                2,399
<ALLOWANCE-DOMESTIC>                             2,399
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0