<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL DATA FROM THE COMPANY'S
GENERAL LEDGER AND BOARD OF DIRECTORS FINANCIAL REPORT PACKAGE AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH.
</LEGEND>
<MULTIPLIER>                             1,000

                                 
<PERIOD-TYPE>                              3-MOS
<FISCAL-YEAR-END>                    Dec-31-1998
<PERIOD-START>                       Mar-31-1999
<PERIOD-END>                         Jun-30-1999
<CASH>                                    18,125
<INT-BEARING-DEPOSITS>                    18,273
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>               74,291
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                  530,796
<ALLOWANCE>                               (2,224)
<TOTAL-ASSETS>                           484,828
<DEPOSITS>                               341,191
<SHORT-TERM>                              38,700
<LIABILITIES-OTHER>                       51,911
<LONG-TERM>                               26,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                   5,910
<OTHER-SE>                                21,116
<TOTAL-LIABILITIES-AND-EQUITY>           484,828
<INTEREST-LOAN>                           14,792
<INTEREST-INVEST>                          2,454
<INTEREST-OTHER>                              13
<INTEREST-TOTAL>                          17,259
<INTEREST-DEPOSIT>                         6,329
<INTEREST-EXPENSE>                         8,844
<INTEREST-INCOME-NET>                      8,415
<LOAN-LOSSES>                                828
<SECURITIES-GAINS>                            28
<EXPENSE-OTHER>                            9,132
<INCOME-PRETAX>                            1,488
<INCOME-PRE-EXTRAORDINARY>                   967
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                 967
<EPS-BASIC>                               0.19
<EPS-DILUTED>                               0.19
<YIELD-ACTUAL>                              7.98
<LOANS-NON>                                1,267
<LOANS-PAST>                                 130
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                            2,850
<ALLOWANCE-OPEN>                           2,323
<CHARGE-OFFS>                              1,138
<RECOVERIES>                                 113
<ALLOWANCE-CLOSE>                          2,166
<ALLOWANCE-DOMESTIC>                       2,166
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0