<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER>                                               1,000
<CURRENCY>                                                  USD
       
<S>                                                  <C>              <C>
<PERIOD-TYPE>                                               YEAR            YEAR
<FISCAL-YEAR-END>                                    DEC-31-1999     DEC-31-1998
<PERIOD-START>                                       JAN-01-1999     JAN-01-1998
<PERIOD-END>                                         MAR-31-1999     MAR-31-1998
<EXCHANGE-RATE>                                                1               1
<CASH>                                                     5,812           4,613
<INT-BEARING-DEPOSITS>                                     1,130               0
<FED-FUNDS-SOLD>                                               0           5,200
<TRADING-ASSETS>                                               0               0
<INVESTMENTS-HELD-FOR-SALE>                               96,409          45,475
<INVESTMENTS-CARRYING>                                     9,268          12,479
<INVESTMENTS-MARKET>                                       9,324          12,489
<LOANS>                                                  162,336         156,430
<ALLOWANCE>                                                2,569           2,230
<TOTAL-ASSETS>                                           281,923         232,388
<DEPOSITS>                                               195,407         198,234
<SHORT-TERM>                                               4,000               0
<LIABILITIES-OTHER>                                        3,969           2,760
<LONG-TERM>                                                1,000               0
<PREFERRED-MANDATORY>                                          0               0
<PREFERRED>                                                    0               0
<COMMON>                                                      54               0
<OTHER-SE>                                                77,493          31,394
<TOTAL-LIABILITIES-AND-EQUITY>                           281,923         232,388
<INTEREST-LOAN>                                            3,288           3,377
<INTEREST-INVEST>                                          1,444             848
<INTEREST-OTHER>                                              84              86
<INTEREST-TOTAL>                                           4,816           4,311
<INTEREST-DEPOSIT>                                         1,775           2,010
<INTEREST-EXPENSE>                                         1,792           2,010
<INTEREST-INCOME-NET>                                      3,024           2,301
<LOAN-LOSSES>                                                 75              75
<SECURITIES-GAINS>                                             0               6
<EXPENSE-OTHER>                                            1,830           1,645
<INCOME-PRETAX>                                            1,335             826
<INCOME-PRE-EXTRAORDINARY>                                 1,335             826
<EXTRAORDINARY>                                                0               0
<CHANGES>                                                      0               0
<NET-INCOME>                                                 749             493
<EPS-PRIMARY>                                               0.16               0
<EPS-DILUTED>                                               0.16               0
<YIELD-ACTUAL>                                              4.62            4.27
<LOANS-NON>                                                1,256           1,458
<LOANS-PAST>                                                   2              10
<LOANS-TROUBLED>                                               0               0
<LOANS-PROBLEM>                                                0               0
<ALLOWANCE-OPEN>                                           2,494           2,143
<CHARGE-OFFS>                                                 21              39
<RECOVERIES>                                                  21              51
<ALLOWANCE-CLOSE>                                          2,569           2,230
<ALLOWANCE-DOMESTIC>                                       2,569           2,230
<ALLOWANCE-FOREIGN>                                            0               0
<ALLOWANCE-UNALLOCATED>                                        0               0
        

</TABLE>