<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at March 31, 1999,  (unaudited) and the Consolidated
Statement of Income for the three months ended March 31, 1999 (unaudited) and is
qualified in its entirety by reference to such financial statements.

</LEGEND>
<MULTIPLIER>                                                 1,000
       
<S>                                                    <C>  
<PERIOD-TYPE>                                                3-MOS
<FISCAL-YEAR-END>                                      DEC-31-1999
<PERIOD-END>                                           MAR-31-1999
<CASH>                                                       5,432
<INT-BEARING-DEPOSITS>                                       3,885
<FED-FUNDS-SOLD>                                            15,450
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 22,874
<INVESTMENTS-CARRYING>                                      13,132
<INVESTMENTS-MARKET>                                        13,033
<LOANS>                                                    127,725
<ALLOWANCE>                                                  1,565
<TOTAL-ASSETS>                                             193,484
<DEPOSITS>                                                 158,475
<SHORT-TERM>                                                 3,185
<LIABILITIES-OTHER>                                          1,094
<LONG-TERM>                                                 11,490
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                    14,187
<OTHER-SE>                                                   5,053
<TOTAL-LIABILITIES-AND-EQUITY>                             193,484
<INTEREST-LOAN>                                              2,692
<INTEREST-INVEST>                                              533
<INTEREST-OTHER>                                               190
<INTEREST-TOTAL>                                             3,415
<INTEREST-DEPOSIT>                                           1,353
<INTEREST-EXPENSE>                                           1,519
<INTEREST-INCOME-NET>                                        1,896
<LOAN-LOSSES>                                                  134
<SECURITIES-GAINS>                                               0
<EXPENSE-OTHER>                                              1,437
<INCOME-PRETAX>                                                630
<INCOME-PRE-EXTRAORDINARY>                                     630
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                   429
<EPS-PRIMARY>                                                 0.14
<EPS-DILUTED>                                                 0.14
<YIELD-ACTUAL>                                                4.39
<LOANS-NON>                                                     31
<LOANS-PAST>                                                    99
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                130
<ALLOWANCE-OPEN>                                             1,459
<CHARGE-OFFS>                                                   34
<RECOVERIES>                                                     6
<ALLOWANCE-CLOSE>                                            1,565
<ALLOWANCE-DOMESTIC>                                         1,565
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0
        

</TABLE>