<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