<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