<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31,
1999 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           5,793
<INT-BEARING-DEPOSITS>                           6,074
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     99,919
<INVESTMENTS-CARRYING>                           6,544
<INVESTMENTS-MARKET>                             6,784
<LOANS>                                        264,855
<ALLOWANCE>                                      4,106
<TOTAL-ASSETS>                                 390,466
<DEPOSITS>                                     343,804
<SHORT-TERM>                                     3,812
<LIABILITIES-OTHER>                              2,671
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           809
<OTHER-SE>                                      36,138
<TOTAL-LIABILITIES-AND-EQUITY>                 390,466
<INTEREST-LOAN>                                  5,517
<INTEREST-INVEST>                                1,592
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,109
<INTEREST-DEPOSIT>                               2,880
<INTEREST-EXPENSE>                               2,954
<INTEREST-INCOME-NET>                            4,155
<LOAN-LOSSES>                                      (3)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,402
<INCOME-PRETAX>                                  2,041
<INCOME-PRE-EXTRAORDINARY>                       2,041
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,321
<EPS-PRIMARY>                                    $0.17
<EPS-DILUTED>                                    $0.17
<YIELD-ACTUAL>                                    4.46
<LOANS-NON>                                        511
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,041
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,023
<CHARGE-OFFS>                                        1
<RECOVERIES>                                        87
<ALLOWANCE-CLOSE>                                4,106
<ALLOWANCE-DOMESTIC>                             4,106
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0