<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> 23,833 <INT-BEARING-DEPOSITS> 1,850 <FED-FUNDS-SOLD> 11,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 126,289 <INVESTMENTS-CARRYING> 15,935 <INVESTMENTS-MARKET> 16,140 <LOANS> 281,822 <ALLOWANCE> 5,383 <TOTAL-ASSETS> 493,535 <DEPOSITS> 442,728 <SHORT-TERM> 503 <LIABILITIES-OTHER> 3,257 <LONG-TERM> 3,251 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 37,142 <OTHER-SE> 6,654 <TOTAL-LIABILITIES-AND-EQUITY> 493,535 <INTEREST-LOAN> 6,712 <INTEREST-INVEST> 2,063 <INTEREST-OTHER> 168 <INTEREST-TOTAL> 8,943 <INTEREST-DEPOSIT> 3,069 <INTEREST-EXPENSE> 3,206 <INTEREST-INCOME-NET> 5,737 <LOAN-LOSSES> 507 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,796 <INCOME-PRETAX> 1,813 <INCOME-PRE-EXTRAORDINARY> 1,151 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,151 <EPS-PRIMARY> 0.25 <EPS-DILUTED> 0.24 <YIELD-ACTUAL> 8.23 <LOANS-NON> 1,967 <LOANS-PAST> 242 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,775 <CHARGE-OFFS> 420 <RECOVERIES> 521 <ALLOWANCE-CLOSE> 5,383 <ALLOWANCE-DOMESTIC> 5,383 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0