<ARTICLE>                        9 
<MULTIPLIER>                 1,000 
<CURRENCY>                     US Dollar 
                                                       
                                                 
<PERIOD-TYPE>                   YEAR                   
<FISCAL-YEAR-END>                                     DEC-31-1999 
<PERIOD-START>                                        JAN-01-1999 
<PERIOD-END>                                          MAR-31-1999 
<EXCHANGE-RATE>                                                 1 
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<INT-BEARING-DEPOSITS>                                     14,948 
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<TRADING-ASSETS>                                                0 
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<INVESTMENTS-MARKET>                                       48,212 
<LOANS>                                                   345,109 
<ALLOWANCE>                                                 3,608 
<TOTAL-ASSETS>                                            546,764 
<DEPOSITS>                                                461,344 
<SHORT-TERM>                                               18,692 
<LIABILITIES-OTHER>                                         5,439 
<LONG-TERM>                                                     0 
<PREFERRED-MANDATORY>                                           0 
<PREFERRED>                                                     0 
<COMMON>                                                   14,459 
<OTHER-SE>                                                 46,830 
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<INTEREST-LOAN>                                             6,823 
<INTEREST-INVEST>                                           2,501 
<INTEREST-OTHER>                                              127 
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<INTEREST-DEPOSIT>                                          3,818 
<INTEREST-EXPENSE>                                          4,022 
<INTEREST-INCOME-NET>                                       5,429 
<LOAN-LOSSES>                                                  90 
<SECURITIES-GAINS>                                              0 
<EXPENSE-OTHER>                                             3,162 
<INCOME-PRETAX>                                             2,807 
<INCOME-PRE-EXTRAORDINARY>                                  2,807 
<EXTRAORDINARY>                                                 0 
<CHANGES>                                                       0 
<NET-INCOME>                                                1,904 
<EPS-PRIMARY>                                                 .33 
<EPS-DILUTED>                                                 .33 
<YIELD-ACTUAL>                                               4.17 
<LOANS-NON>                                                 1,281 
<LOANS-PAST>                                                2,074 
<LOANS-TROUBLED>                                                0 
<LOANS-PROBLEM>                                             3,355 
<ALLOWANCE-OPEN>                                            3,594 
<CHARGE-OFFS>                                                  87 
<RECOVERIES>                                                   11 
<ALLOWANCE-CLOSE>                                           3,608 
<ALLOWANCE-DOMESTIC>                                        3,608 
<ALLOWANCE-FOREIGN>                                             0 
<ALLOWANCE-UNALLOCATED>                                         0