<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
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<INVESTMENTS-HELD-FOR-SALE>                          0                       0
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<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