<ARTICLE>                                            9

<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>               DEC-31-1999
<PERIOD-END>                    MAR-31-1999
<CASH>                             8,858
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<FED-FUNDS-SOLD>                   1,975
<TRADING-ASSETS>                       0
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<INVESTMENTS-CARRYING>             2,100
<INVESTMENTS-MARKET>               2,058
<LOANS>                          348,353
<ALLOWANCE>                        4,316
<TOTAL-ASSETS>                   509,889
<DEPOSITS>                       393,739
<SHORT-TERM>                           0
<LIABILITIES-OTHER>                4,231
<LONG-TERM>                       77,079
<PREFERRED-MANDATORY>                  0
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<COMMON>                           2,998
<OTHER-SE>                        25,579
<TOTAL-LIABILITIES-AND-EQUITY>   509,889
<INTEREST-LOAN>                    6,794
<INTEREST-INVEST>                  1,964
<INTEREST-OTHER>                     102
<INTEREST-TOTAL>                   8,860
<INTEREST-DEPOSIT>                 3,912
<INTEREST-EXPENSE>                 4,878
<INTEREST-INCOME-NET>              3,982
<LOAN-LOSSES>                        180
<SECURITIES-GAINS>                   213
<EXPENSE-OTHER>                    2,610
<INCOME-PRETAX>                    1,709
<INCOME-PRE-EXTRAORDINARY>         1,709
<EXTRAORDINARY>                        0
<CHANGES>                              0
<NET-INCOME>                       1,316
<EPS-PRIMARY>                        .55
<EPS-DILUTED>                        .55
<YIELD-ACTUAL>                      7.70
<LOANS-NON>                        1,665 
<LOANS-PAST>                         158
<LOANS-TROUBLED>                       0
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<ALLOWANCE-OPEN>                   4,283    
<CHARGE-OFFS>                        173   
<RECOVERIES>                          26  
<ALLOWANCE-CLOSE>                  4,316     
<ALLOWANCE-DOMESTIC>               4,316
<ALLOWANCE-FOREIGN>                    0 
<ALLOWANCE-UNALLOCATED>                0