<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q FOR
MARCH 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          10,161
<INT-BEARING-DEPOSITS>                             701
<FED-FUNDS-SOLD>                                 2,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     64,035
<INVESTMENTS-CARRYING>                           7,100
<INVESTMENTS-MARKET>                             7,203
<LOANS>                                        230,437
<ALLOWANCE>                                      2,745
<TOTAL-ASSETS>                                 323,233
<DEPOSITS>                                     251,365
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,940
<LONG-TERM>                                     35,966
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            40
<OTHER-SE>                                      29,134
<TOTAL-LIABILITIES-AND-EQUITY>                 323,233
<INTEREST-LOAN>                                  4,615
<INTEREST-INVEST>                                1,158
<INTEREST-OTHER>                                    86
<INTEREST-TOTAL>                                 5,859
<INTEREST-DEPOSIT>                               2,420
<INTEREST-EXPENSE>                               3,025
<INTEREST-INCOME-NET>                            2,834
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                  1,858
<INCOME-PRETAX>                                  1,499
<INCOME-PRE-EXTRAORDINARY>                       1,499
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       951
<EPS-PRIMARY>                                     0.24
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                    3.80
<LOANS-NON>                                      4,554
<LOANS-PAST>                                       105
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,441
<ALLOWANCE-OPEN>                                 2,808
<CHARGE-OFFS>                                      233
<RECOVERIES>                                        20
<ALLOWANCE-CLOSE>                                2,745
<ALLOWANCE-DOMESTIC>                             2,745
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0