<ARTICLE> 9
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<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1999
<PERIOD-START>                             JAN-01-1998             JAN-01-1999
<PERIOD-END>                               MAR-31-1998             MAR-31-1999
<CASH>                                          10,405                  12,702
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<ALLOWANCE>                                      3,220                   4,086
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<INTEREST-TOTAL>                                 7,312                   8,708
<INTEREST-DEPOSIT>                               2,942                   3,238
<INTEREST-EXPENSE>                               2,953                   3,249
<INTEREST-INCOME-NET>                            4,359                   5,459
<LOAN-LOSSES>                                       39                     102
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<EXPENSE-OTHER>                                  3,490                   4,702
<INCOME-PRETAX>                                  1,998                   1,743
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<YIELD-ACTUAL>                                    9.46                    9.22
<LOANS-NON>                                        310                     235
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
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