<TABLE> <S> <C>

<ARTICLE>                  9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT  FILED ON FORM 10-Q FOR THE FISCAL  QUARTER  ENDED  MARCH 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                                                   <C>
<PERIOD-TYPE>                                          3-MOS
<FISCAL-YEAR-END>                                      DEC-31-1999
<PERIOD-END>                                           MAR-31-1999
<CASH>                                                 665
<INT-BEARING-DEPOSITS>                                 1,001
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                            41,980
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                                57,898
<ALLOWANCE>                                            251
<TOTAL-ASSETS>                                         104,488
<DEPOSITS>                                             56,981
<SHORT-TERM>                                           10,902
<LIABILITIES-OTHER>                                    1,493
<LONG-TERM>                                            14,377
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                               22
<OTHER-SE>                                             20,365
<TOTAL-LIABILITIES-AND-EQUITY>                         104,488
<INTEREST-LOAN>                                        1,149
<INTEREST-INVEST>                                      508
<INTEREST-OTHER>                                       121
<INTEREST-TOTAL>                                       1,778
<INTEREST-DEPOSIT>                                     574
<INTEREST-EXPENSE>                                     326
<INTEREST-INCOME-NET>                                  878
<LOAN-LOSSES>                                          0
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                        412
<INCOME-PRETAX>                                        486
<INCOME-PRE-EXTRAORDINARY>                             486
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                           359
<EPS-PRIMARY>                                          0.22
<EPS-DILUTED>                                          0.22
<YIELD-ACTUAL>                                         3.41
<LOANS-NON>                                            563
<LOANS-PAST>                                           5,200
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                       258
<CHARGE-OFFS>                                          7
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                      251
<ALLOWANCE-DOMESTIC>                                   0
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0
        


</TABLE>