<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