<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