<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 15,739 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 29,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 111,333 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 111,333 <LOANS> 163,896 <ALLOWANCE> 3,882 <TOTAL-ASSETS> 324,726 <DEPOSITS> 274,013 <SHORT-TERM> 15,712 <LIABILITIES-OTHER> 3,748 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,771 <OTHER-SE> 10,482 <TOTAL-LIABILITIES-AND-EQUITY> 324,726 <INTEREST-LOAN> 4,133 <INTEREST-INVEST> 1,530 <INTEREST-OTHER> 374 <INTEREST-TOTAL> 6,037 <INTEREST-DEPOSIT> 1,512 <INTEREST-EXPENSE> 1,651 <INTEREST-INCOME-NET> 4,386 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 61 <EXPENSE-OTHER> 3,203 <INCOME-PRETAX> 2,655 <INCOME-PRE-EXTRAORDINARY> 2,655 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,556 <EPS-PRIMARY> 0.33 <EPS-DILUTED> 0.32 <YIELD-ACTUAL> .060 <LOANS-NON> 1,033 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,871 <CHARGE-OFFS> 3 <RECOVERIES> 14 <ALLOWANCE-CLOSE> 3,882 <ALLOWANCE-DOMESTIC> 3,882 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0