<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM *MARCH 31,
1999 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-1999 DEC-31-1998
<PERIOD-START> JAN-01-1999 JAN-01-1998
<PERIOD-END> MAR-31-1999 MAR-31-1998
<CASH> 9360 11385
<INT-BEARING-DEPOSITS> 0 505
<FED-FUNDS-SOLD> 4100 1900
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 70623 55432
<INVESTMENTS-CARRYING> 46745 49344
<INVESTMENTS-MARKET> 47198 49832
<LOANS> 412410 379782
<ALLOWANCE> (3623) (3343)
<TOTAL-ASSETS> 567787 518182
<DEPOSITS> 448660 427009
<SHORT-TERM> 43343 29158
<LIABILITIES-OTHER> 3014 3455
<LONG-TERM> 33544 18602
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 48
<COMMON> 2427 2393
<OTHER-SE> 36799 37517
<TOTAL-LIABILITIES-AND-EQUITY> 567787 518182
<INTEREST-LOAN> 8041 7927
<INTEREST-INVEST> 1657 1617
<INTEREST-OTHER> 128 103
<INTEREST-TOTAL> 9826 9647
<INTEREST-DEPOSIT> 3896 3879
<INTEREST-EXPENSE> 4796 4591
<INTEREST-INCOME-NET> 5030 5056
<LOAN-LOSSES> 358 360
<SECURITIES-GAINS> 8 0
<EXPENSE-OTHER> 3751 3596
<INCOME-PRETAX> 1708 1915
<INCOME-PRE-EXTRAORDINARY> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 1110 1218
<EPS-PRIMARY> .46 .47
<EPS-DILUTED> .46 .45
<YIELD-ACTUAL> 3.78 4.20
<LOANS-NON> 5080 5620
<LOANS-PAST> 466 608
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 3815 3285
<CHARGE-OFFS> 587 325
<RECOVERIES> 37 23
<ALLOWANCE-CLOSE> 3623 3343
<ALLOWANCE-DOMESTIC> 3623 3343
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0