<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> 22,648 <INT-BEARING-DEPOSITS> 630 <FED-FUNDS-SOLD> 54,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,340 <INVESTMENTS-CARRYING> 15,797 <INVESTMENTS-MARKET> 15,799 <LOANS> 216,512 <ALLOWANCE> 2,444 <TOTAL-ASSETS> 338,620 <DEPOSITS> 310,010 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,447 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,772 <OTHER-SE> 14,391 <TOTAL-LIABILITIES-AND-EQUITY> 338,620 <INTEREST-LOAN> 5,801 <INTEREST-INVEST> 272 <INTEREST-OTHER> 419 <INTEREST-TOTAL> 6,492 <INTEREST-DEPOSIT> 2,798 <INTEREST-EXPENSE> 2,798 <INTEREST-INCOME-NET> 3,694 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8,683 <INCOME-PRETAX> 799 <INCOME-PRE-EXTRAORDINARY> 799 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 459 <EPS-PRIMARY> 0.18 <EPS-DILUTED> 0.18 <YIELD-ACTUAL> 5.03 <LOANS-NON> 2,648 <LOANS-PAST> 130 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,831 <ALLOWANCE-OPEN> 2,299 <CHARGE-OFFS> 41 <RECOVERIES> 6 <ALLOWANCE-CLOSE> 2,444 <ALLOWANCE-DOMESTIC> 2,039 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 405