<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 7,803 <INT-BEARING-DEPOSITS> 14,799 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 144,105 <INVESTMENTS-MARKET> 141,989 <LOANS> 440,501 <ALLOWANCE> 785 <TOTAL-ASSETS> 625,783 <DEPOSITS> 497,801 <SHORT-TERM> 15,000 <LIABILITIES-OTHER> 4,263 <LONG-TERM> 26,982 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 31,956 <OTHER-SE> 48,842 <TOTAL-LIABILITIES-AND-EQUITY> 625,783 <INTEREST-LOAN> 8,810 <INTEREST-INVEST> 2,245 <INTEREST-OTHER> 269 <INTEREST-TOTAL> 11,324 <INTEREST-DEPOSIT> 5,982 <INTEREST-EXPENSE> 6,647 <INTEREST-INCOME-NET> 4,677 <LOAN-LOSSES> 20 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,730 <INCOME-PRETAX> 2,320 <INCOME-PRE-EXTRAORDINARY> 1,518 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,518 <EPS-PRIMARY> .37 <EPS-DILUTED> .37 <YIELD-ACTUAL> 7.55 <LOANS-NON> 1,515 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,431 <ALLOWANCE-OPEN> 771 <CHARGE-OFFS> 9 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 785 <ALLOWANCE-DOMESTIC> 388 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 397