<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE UNAUDITED FINANCIAL
STATEMENTS CONTAINED THEREIN.
</LEGEND>
<MULTIPLIER>                                     1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                             737
<INT-BEARING-DEPOSITS>                          57,956
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     72,792
<INVESTMENTS-CARRYING>                             921
<INVESTMENTS-MARKET>                               940
<LOANS>                                        416,356
<ALLOWANCE>                                    (5,697)
<TOTAL-ASSETS>                                 561,844
<DEPOSITS>                                     355,013
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                             17,296
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           114
<OTHER-SE>                                     186,421
<TOTAL-LIABILITIES-AND-EQUITY>                 561,844
<INTEREST-LOAN>                                  8,074
<INTEREST-INVEST>                                1,698
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 9,772
<INTEREST-DEPOSIT>                               4,173
<INTEREST-EXPENSE>                               4,295
<INTEREST-INCOME-NET>                            5,477
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,809
<INCOME-PRETAX>                                  3,783
<INCOME-PRE-EXTRAORDINARY>                       3,783
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,328
<EPS-PRIMARY>                                      .22
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    7.11
<LOANS-NON>                                      4,924
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,523
<LOANS-PROBLEM>                                    471
<ALLOWANCE-OPEN>                                 5,684
<CHARGE-OFFS>                                       17
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                5,697
<ALLOWANCE-DOMESTIC>                             3,525
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,172