<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         15,525                     
<INT-BEARING-DEPOSITS>                         24,207      
<FED-FUNDS-SOLD>                                3,018       
<TRADING-ASSETS>                                    0         
<INVESTMENTS-HELD-FOR-SALE>                    59,482      
<INVESTMENTS-CARRYING>                         17,898      
<INVESTMENTS-MARKET>                           18,552      
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<ALLOWANCE>                                     5,671      
<TOTAL-ASSETS>                                505,862      
<DEPOSITS>                                    439,466      
<SHORT-TERM>                                   20,000       
<LIABILITIES-OTHER>                             5,360      
<LONG-TERM>                                         0         
<PREFERRED-MANDATORY>                               0         
<PREFERRED>                                         0         
<COMMON>                                       15,059      
<OTHER-SE>                                     25,977      
<TOTAL-LIABILITIES-AND-EQUITY>                505,862      
<INTEREST-LOAN>                                 7,919      
<INTEREST-INVEST>                               1,035      
<INTEREST-OTHER>                                  204      
<INTEREST-TOTAL>                                9,158      
<INTEREST-DEPOSIT>                              3,677      
<INTEREST-EXPENSE>                              3,712      
<INTEREST-INCOME-NET>                           5,446      
<LOAN-LOSSES>                                     200      
<SECURITIES-GAINS>                                  5       
<EXPENSE-OTHER>                                 4,275      
<INCOME-PRETAX>                                 2,279      
<INCOME-PRE-EXTRAORDINARY>                      2,279      
<EXTRAORDINARY>                                     0        
<CHANGES>                                           0         
<NET-INCOME>                                    1,476      
<EPS-PRIMARY>                                    0.49      
<EPS-DILUTED>                                    0.48      
<YIELD-ACTUAL>                                   4.97      
<LOANS-NON>                                       596      
<LOANS-PAST>                                        0         
<LOANS-TROUBLED>                                  258      
<LOANS-PROBLEM>                                 1,400      
<ALLOWANCE-OPEN>                                5,504      
<CHARGE-OFFS>                                      65      
<RECOVERIES>                                       32      
<ALLOWANCE-CLOSE>                               5,671      
<ALLOWANCE-DOMESTIC>                            4,183      
<ALLOWANCE-FOREIGN>                                 0        
<ALLOWANCE-UNALLOCATED>                         1,488