<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FOUND ON PAGES 2
AND 3 OF THE COMPANY'S FORM 10Q FOR MARCH 31, 1999, AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          26,252
<INT-BEARING-DEPOSITS>                             998
<FED-FUNDS-SOLD>                                27,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     17,763
<INVESTMENTS-CARRYING>                          21,900
<INVESTMENTS-MARKET>                            21,851
<LOANS>                                        243,193
<ALLOWANCE>                                      3,620
<TOTAL-ASSETS>                                 348,720
<DEPOSITS>                                     312,303
<SHORT-TERM>                                     2,436
<LIABILITIES-OTHER>                              2,550
<LONG-TERM>                                        378
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        19,168
<OTHER-SE>                                      11,885
<TOTAL-LIABILITIES-AND-EQUITY>                 348,720
<INTEREST-LOAN>                                  5,734
<INTEREST-INVEST>                                  570
<INTEREST-OTHER>                                   284
<INTEREST-TOTAL>                                 6,588
<INTEREST-DEPOSIT>                               1,612
<INTEREST-EXPENSE>                               1,640
<INTEREST-INCOME-NET>                            4,948
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,457
<INCOME-PRETAX>                                  1,745
<INCOME-PRE-EXTRAORDINARY>                       1,033
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,033
<EPS-PRIMARY>                                     0.21
<EPS-DILUTED>                                     0.20
<YIELD-ACTUAL>                                    6.68
<LOANS-NON>                                        742
<LOANS-PAST>                                       192
<LOANS-TROUBLED>                                 5,062
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,592
<CHARGE-OFFS>                                      120
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                3,620
<ALLOWANCE-DOMESTIC>                             3,620
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0