<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRATION STATEMENT ON FORM 10/A AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<PERIOD-TYPE> 12-MOS 3-MOS
<FISCAL-YEAR-END> Dec-31-1998 DEC-31-1999
<PERIOD-END> Dec-31-1998 MAR-31-1999
<CASH> 10,767 9,841
<INT-BEARING-DEPOSITS> 7,197 1,230
<FED-FUNDS-SOLD> 25,432 6,591
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 117,470 132,471
<INVESTMENTS-CARRYING> 2,569 2,500
<INVESTMENTS-MARKET> 2,555 2,495
<LOANS> 236,076 244,726
<ALLOWANCE> 2,228 2,228
<TOTAL-ASSETS> 412,366 406,669
<DEPOSITS> 356,383 350,348
<SHORT-TERM> 0 0
<LIABILITIES-OTHER> 3,782 3,968
<LONG-TERM> 14,000 14,000
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 3,780 3,780
<OTHER-SE> 34,421 34,573
<TOTAL-LIABILITIES-AND-EQUITY> 412,366 406,669
<INTEREST-LOAN> 19,019 4,774
<INTEREST-INVEST> 7,749 2,115
<INTEREST-OTHER> 760 132
<INTEREST-TOTAL> 27,528 7,020
<INTEREST-DEPOSIT> 12,174 3,045
<INTEREST-EXPENSE> 412 183
<INTEREST-INCOME-NET> 14,942 3,792
<LOAN-LOSSES> 300 45
<SECURITIES-GAINS> 40 1
<EXPENSE-OTHER> 8,438 3,000
<INCOME-PRETAX> 8,538 2,308
<INCOME-PRE-EXTRAORDINARY> 8,538 2,308
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 5,801 1,567
<EPS-BASIC> 1.92 .52
<EPS-DILUTED> 1.92 .52
<YIELD-ACTUAL> 3.26 3.08
<LOANS-NON> 12 12
<LOANS-PAST> 1,428 1,382
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 2,340 2,228
<CHARGE-OFFS> 526 45
<RECOVERIES> 114 45
<ALLOWANCE-CLOSE> 2,228 2,228
<ALLOWANCE-DOMESTIC> 2,228 2,228
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0