<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> 10,253 <INT-BEARING-DEPOSITS> 4,262 <FED-FUNDS-SOLD> 2,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 22,671 <INVESTMENTS-CARRYING> 13,047 <INVESTMENTS-MARKET> 13,042 <LOANS> 284,900 <ALLOWANCE> 3,176 <TOTAL-ASSETS> 347,283 <DEPOSITS> 294,257 <SHORT-TERM> 17,877 <LIABILITIES-OTHER> 3,535 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 346 <OTHER-SE> 31,268 <TOTAL-LIABILITIES-AND-EQUITY> 347,283 <INTEREST-LOAN> 5,483 <INTEREST-INVEST> 542 <INTEREST-OTHER> 143 <INTEREST-TOTAL> 6,168 <INTEREST-DEPOSIT> 2,569 <INTEREST-EXPENSE> 2,790 <INTEREST-INCOME-NET> 3,378 <LOAN-LOSSES> 49 <SECURITIES-GAINS> 9 <EXPENSE-OTHER> 2,077 <INCOME-PRETAX> 1,590 <INCOME-PRE-EXTRAORDINARY> 957 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 957 <EPS-PRIMARY> .35 <EPS-DILUTED> .34 <YIELD-ACTUAL> 4.15 <LOANS-NON> 1,388 <LOANS-PAST> 425 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,132 <CHARGE-OFFS> 5 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 3,176 <ALLOWANCE-DOMESTIC> 2,700 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 476