<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1999 <CASH> 5,196 <INT-BEARING-DEPOSITS> 1,540 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 62,670 <INVESTMENTS-CARRYING> 7,647 <INVESTMENTS-MARKET> 8,113 <LOANS> 191,535 <ALLOWANCE> 3,342 <TOTAL-ASSETS> 278,779 <DEPOSITS> 228,091 <SHORT-TERM> 10,938 <LIABILITIES-OTHER> 7,947 <LONG-TERM> 4,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 180 <OTHER-SE> 27,623 <TOTAL-LIABILITIES-AND-EQUITY> 278,779 <INTEREST-LOAN> 3,902 <INTEREST-INVEST> 988 <INTEREST-OTHER> 31 <INTEREST-TOTAL> 4,921 <INTEREST-DEPOSIT> 1,983 <INTEREST-EXPENSE> 2,098 <INTEREST-INCOME-NET> 2,823 <LOAN-LOSSES> 130 <SECURITIES-GAINS> 24 <EXPENSE-OTHER> 1,984 <INCOME-PRETAX> 1,166 <INCOME-PRE-EXTRAORDINARY> 1,166 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 814 <EPS-PRIMARY> .48 <EPS-DILUTED> .48 <YIELD-ACTUAL> 4.45 <LOANS-NON> 532 <LOANS-PAST> 30 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,333 <CHARGE-OFFS> 155 <RECOVERIES> 34 <ALLOWANCE-CLOSE> 3,342 <ALLOWANCE-DOMESTIC> 3,342 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,229