<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     CONSOLIDATED  FINANCIAL STATEMENTS DATED MARCH 31, 1999 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-START>                                 JAN-01-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                           7,551
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     46,562
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         90,563
<ALLOWANCE>                                      1,666
<TOTAL-ASSETS>                                 163,373
<DEPOSITS>                                     148,341
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                862
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,790
<OTHER-SE>                                       6,380
<TOTAL-LIABILITIES-AND-EQUITY>                 163,373
<INTEREST-LOAN>                                  2,246
<INTEREST-INVEST>                                  632
<INTEREST-OTHER>                                    80
<INTEREST-TOTAL>                                 2,958
<INTEREST-DEPOSIT>                                 938
<INTEREST-EXPENSE>                                 938
<INTEREST-INCOME-NET>                            2,020
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,989
<INCOME-PRETAX>                                    416
<INCOME-PRE-EXTRAORDINARY>                         416
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       273
<EPS-PRIMARY>                                      .20
<EPS-DILUTED>                                      .19
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,564
<CHARGE-OFFS>                                        8
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                1,666
<ALLOWANCE-DOMESTIC>                             1,666
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,289
        


</TABLE>