<TABLE> <S> <C>

<ARTICLE>                     9
       
<S>                                                                       <C>
<FISCAL-YEAR-END>                                                     DEC-31-1999
<PERIOD-START>                                                        JAN-1-1999
<PERIOD-END>                                                          MAR-31-1999
<PERIOD-TYPE>                                                              3-MOS
<CASH>                                                                 2,973,607
<INT-BEARING-DEPOSITS>                                                         0
<FED-FUNDS-SOLD>                                                      14,570,000
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                           12,608,312
<INVESTMENTS-CARRYING>                                                 5,289,454
<INVESTMENTS-MARKET>                                                   5,316,669
<LOANS>                                                               53,614,604
<ALLOWANCE>                                                              942,349
<TOTAL-ASSETS>                                                        91,267,093
<DEPOSITS>                                                            81,706,140
<SHORT-TERM>                                                             510,000
<LIABILITIES-OTHER>                                                      761,516
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                               1,500,000
<OTHER-SE>                                                             6,789,437
<TOTAL-LIABILITIES-AND-EQUITY>                                        91,267,093
<INTEREST-LOAN>                                                        1,239,225
<INTEREST-INVEST>                                                        220,566
<INTEREST-OTHER>                                                         178,710
<INTEREST-TOTAL>                                                       1,638,501
<INTEREST-DEPOSIT>                                                       779,724
<INTEREST-EXPENSE>                                                       784,590
<INTEREST-INCOME-NET>                                                    853,911
<LOAN-LOSSES>                                                             95,000
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                          425,266
<INCOME-PRETAX>                                                          450,540
<INCOME-PRE-EXTRAORDINARY>                                               450,540
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                             302,482
<EPS-PRIMARY>                                                               1.01
<EPS-DILUTED>                                                               1.01
<YIELD-ACTUAL>                                                              4.04
<LOANS-NON>                                                              889,859
<LOANS-PAST>                                                               3,000
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                          917,932
<ALLOWANCE-OPEN>                                                         929,482
<CHARGE-OFFS>                                                             83,113
<RECOVERIES>                                                                 980
<ALLOWANCE-CLOSE>                                                        942,349
<ALLOWANCE-DOMESTIC>                                                     942,349
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0
        

</TABLE>