<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       
<S>                                            <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                          22,165
<INT-BEARING-DEPOSITS>                          16,034
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,039
<INVESTMENTS-CARRYING>                           3,334
<INVESTMENTS-MARKET>                             3,354
<LOANS>                                        132,914
<ALLOWANCE>                                      1,324
<TOTAL-ASSETS>                                 194,152
<DEPOSITS>                                     169,939
<SHORT-TERM>                                         8
<LIABILITIES-OTHER>                              1,152
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,745
<OTHER-SE>                                      19,308
<TOTAL-LIABILITIES-AND-EQUITY>                 194,152
<INTEREST-LOAN>                                  2,702
<INTEREST-INVEST>                                  475
<INTEREST-OTHER>                                   144
<INTEREST-TOTAL>                                 3,321
<INTEREST-DEPOSIT>                               1,429
<INTEREST-EXPENSE>                               1,457
<INTEREST-INCOME-NET>                            1,864
<LOAN-LOSSES>                                       44
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,435
<INCOME-PRETAX>                                    569
<INCOME-PRE-EXTRAORDINARY>                         569
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       388
<EPS-PRIMARY>                                     0.28
<EPS-DILUTED>                                     0.28
<YIELD-ACTUAL>                                    4.22
<LOANS-NON>                                      1,032
<LOANS-PAST>                                       238
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,336
<CHARGE-OFFS>                                       65
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                1,324
<ALLOWANCE-DOMESTIC>                               558
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            766
        


</TABLE>