<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM 10Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               MAR-31-1999             MAR-31-1998
<CASH>                                          17,339                  18,178
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                81,750                  25,100
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     35,727                  34,982
<INVESTMENTS-CARRYING>                          36,574                  24,080
<INVESTMENTS-MARKET>                            37,027                  24,437
<LOANS>                                        244,251                 221,375
<ALLOWANCE>                                      4,710                   4,073
<TOTAL-ASSETS>                                 421,031                 328,762
<DEPOSITS>                                     371,901                 285,123
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              5,617                   3,823
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        33,259                  35,115
<OTHER-SE>                                      10,254                   4,701
<TOTAL-LIABILITIES-AND-EQUITY>                 421,031                 328,762
<INTEREST-LOAN>                                  5,475                   5,627
<INTEREST-INVEST>                                1,787                   1,206
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                 7,262                   6,833
<INTEREST-DEPOSIT>                               2,188                   2,015
<INTEREST-EXPENSE>                               2,188                   2,015
<INTEREST-INCOME-NET>                            5,074                   4,818
<LOAN-LOSSES>                                       45                      38
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  3,211                   3,047
<INCOME-PRETAX>                                  2,060                   1,970
<INCOME-PRE-EXTRAORDINARY>                       2,060                   1,970
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,275                   1,175
<EPS-PRIMARY>                                     0.28                    0.25
<EPS-DILUTED>                                     0.27                    0.24
<YIELD-ACTUAL>                                    0.56                    0.65
<LOANS-NON>                                         79                   3,238
<LOANS-PAST>                                         0                     182
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,424                   4,351
<CHARGE-OFFS>                                        0                     379
<RECOVERIES>                                       241                      63
<ALLOWANCE-CLOSE>                                4,710                   4,073
<ALLOWANCE-DOMESTIC>                             4,710                   4,073
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,367                   1,479