<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