<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           9,524
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    125,194
<INVESTMENTS-CARRYING>                          63,866
<INVESTMENTS-MARKET>                            64,004
<LOANS>                                        195,370
<ALLOWANCE>                                    (3,056)
<TOTAL-ASSETS>                                 402,901
<DEPOSITS>                                     316,827
<SHORT-TERM>                                     8,006
<LIABILITIES-OTHER>                              6,718
<LONG-TERM>                                     26,018
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        18,028
<OTHER-SE>                                      27,304
<TOTAL-LIABILITIES-AND-EQUITY>                 402,901
<INTEREST-LOAN>                                  4,172
<INTEREST-INVEST>                                2,599
<INTEREST-OTHER>                                    63
<INTEREST-TOTAL>                                 6,834
<INTEREST-DEPOSIT>                               2,563
<INTEREST-EXPENSE>                               2,998
<INTEREST-INCOME-NET>                            3,836
<LOAN-LOSSES>                                       50
<SECURITIES-GAINS>                                   7
<EXPENSE-OTHER>                                  2,544
<INCOME-PRETAX>                                  1,650
<INCOME-PRE-EXTRAORDINARY>                       1,220
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,220
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    4.24
<LOANS-NON>                                      2,476
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   500
<LOANS-PROBLEM>                                     41
<ALLOWANCE-OPEN>                                 3,055
<CHARGE-OFFS>                                       76
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                3,056
<ALLOWANCE-DOMESTIC>                             2,732
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            324