<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 3-MOS <FISCAL-YEAR-END> DEC-31-1999 DEC-31-1998 <PERIOD-START> JAN-01-1999 JAN-01-1998 <PERIOD-END> MAR-31-1999 MAR-31-1998 <CASH> 8,501 8,152 <INT-BEARING-DEPOSITS> 20,000 0 <FED-FUNDS-SOLD> 4,500 0 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 0 0 <INVESTMENTS-CARRYING> 1,007 2,008 <INVESTMENTS-MARKET> 1,012 2,020 <LOANS> 409,399 334,414 <ALLOWANCE> 2,586 2,777 <TOTAL-ASSETS> 529,185 428,078 <DEPOSITS> 414,537 323,476 <SHORT-TERM> 46,932 39,977 <LIABILITIES-OTHER> 13,534 11,127 <LONG-TERM> 1,500 1,500 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 66 66 <OTHER-SE> 52,616 51,932 <TOTAL-LIABILITIES-AND-EQUITY> 529,185 428,078 <INTEREST-LOAN> 9,358 7,466 <INTEREST-INVEST> 31 74 <INTEREST-OTHER> 1,940 1,831 <INTEREST-TOTAL> 11,329 9,371 <INTEREST-DEPOSIT> 4,920 3,269 <INTEREST-EXPENSE> 5,783 5,340 <INTEREST-INCOME-NET> 5,546 4,031 <LOAN-LOSSES> 458 1,630 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 5,855 5,376 <INCOME-PRETAX> 1,212 6,350 <INCOME-PRE-EXTRAORDINARY> 1,212 6,350 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 684 3,715 <EPS-PRIMARY> .10 .57 <EPS-DILUTED> .10 .54 <YIELD-ACTUAL> 4,524 4,734 <LOANS-NON> 7,744 7,544 <LOANS-PAST> 1,580 1,898 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 2,777 2,573 <CHARGE-OFFS> 695 4,071 <RECOVERIES> 46 109 <ALLOWANCE-CLOSE> 2,586 2,777 <ALLOWANCE-DOMESTIC> 2,586 2,777 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0