<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 5,760 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,115 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32,329 <INVESTMENTS-CARRYING> 25,726 <INVESTMENTS-MARKET> 26,415 <LOANS> 139,564 <ALLOWANCE> 2,153 <TOTAL-ASSETS> 213,010 <DEPOSITS> 176,190 <SHORT-TERM> 7,869 <LIABILITIES-OTHER> 1,226 <LONG-TERM> 4,856 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,238 <OTHER-SE> 20,631 <TOTAL-LIABILITIES-AND-EQUITY> 213,010 <INTEREST-LOAN> 6,409 <INTEREST-INVEST> 1,810 <INTEREST-OTHER> 144 <INTEREST-TOTAL> 8,363 <INTEREST-DEPOSIT> 3,494 <INTEREST-EXPENSE> 3,850 <INTEREST-INCOME-NET> 4,513 <LOAN-LOSSES> 204 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,926 <INCOME-PRETAX> 1,963 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,501 <EPS-PRIMARY> 0.67 <EPS-DILUTED> 0.66 <YIELD-ACTUAL> 0.00 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,239 <CHARGE-OFFS> 305 <RECOVERIES> 16 <ALLOWANCE-CLOSE> 2,153 <ALLOWANCE-DOMESTIC> 2,153 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 594