<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