<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR THE PERIOD ENDED MARCH 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               MAR-31-1999
<CASH>                                           2,992
<INT-BEARING-DEPOSITS>                           1,116
<FED-FUNDS-SOLD>                                 3,655
<TRADING-ASSETS>                                 4,213
<INVESTMENTS-HELD-FOR-SALE>                     13,472
<INVESTMENTS-CARRYING>                             410
<INVESTMENTS-MARKET>                               414
<LOANS>                                         42,775
<ALLOWANCE>                                      (758)
<TOTAL-ASSETS>                                  75,708
<DEPOSITS>                                      48,468
<SHORT-TERM>                                    11,352
<LIABILITIES-OTHER>                              2,459
<LONG-TERM>                                      6,038<F1>
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           307
<OTHER-SE>                                       4,656
<TOTAL-LIABILITIES-AND-EQUITY>                  75,708
<INTEREST-LOAN>                                  1,034
<INTEREST-INVEST>                                  205
<INTEREST-OTHER>                                   133
<INTEREST-TOTAL>                                 1,372
<INTEREST-DEPOSIT>                                 473
<INTEREST-EXPENSE>                                 737
<INTEREST-INCOME-NET>                              635
<LOAN-LOSSES>                                       70
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                    224
<INCOME-PRETAX>                                    354
<INCOME-PRE-EXTRAORDINARY>                         223
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       223
<EPS-PRIMARY>                                      .75
<EPS-DILUTED>                                      .75
<YIELD-ACTUAL>                                    4.03
<LOANS-NON>                                        358
<LOANS-PAST>                                        39
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   754
<CHARGE-OFFS>                                     (83)
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                  758
<ALLOWANCE-DOMESTIC>                               467
<ALLOWANCE-FOREIGN>                                273
<ALLOWANCE-UNALLOCATED>                             18
<FN>
<F1>INCLUDES GUARANTEED PREFERRED BENEFICIAL INTERESTS IN THE CORPORATION'S JUNIOR
SUBORDINATED DEBENTURES.
</FN>