<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-01-1999 <CASH> 9,810 <INT-BEARING-DEPOSITS> 10,201 <FED-FUNDS-SOLD> 8,630 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 75,508 <INVESTMENTS-CARRYING> 1,160 <INVESTMENTS-MARKET> 1,333 <LOANS> 267,166 <ALLOWANCE> 4,911 <TOTAL-ASSETS> 388,404 <DEPOSITS> 338,137 <SHORT-TERM> 1,288 <LIABILITIES-OTHER> 2,989 <LONG-TERM> 12,237 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,435 <OTHER-SE> 29,318 <TOTAL-LIABILITIES-AND-EQUITY> 388,404 <INTEREST-LOAN> 6,405 <INTEREST-INVEST> 1,023 <INTEREST-OTHER> 340 <INTEREST-TOTAL> 7,768 <INTEREST-DEPOSIT> 3,820 <INTEREST-EXPENSE> 4,073 <INTEREST-INCOME-NET> 3,695 <LOAN-LOSSES> 249 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,699 <INCOME-PRETAX> 1,484 <INCOME-PRE-EXTRAORDINARY> 1,484 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,036 <EPS-PRIMARY> 0.23 <EPS-DILUTED> 0.23 <YIELD-ACTUAL> 4.22 <LOANS-NON> 6,148 <LOANS-PAST> 341 <LOANS-TROUBLED> 328 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,726 <CHARGE-OFFS> 153 <RECOVERIES> 89 <ALLOWANCE-CLOSE> 4,911 <ALLOWANCE-DOMESTIC> 4,911 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0