<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>                                           1,777
<INT-BEARING-DEPOSITS>                             587
<FED-FUNDS-SOLD>                                13,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    108,165
<INVESTMENTS-CARRYING>                         120,022
<INVESTMENTS-MARKET>                           120,123
<LOANS>                                        115,360
<ALLOWANCE>                                        858
<TOTAL-ASSETS>                                 260,439
<DEPOSITS>                                     195,545
<SHORT-TERM>                                     1,500
<LIABILITIES-OTHER>                              1,472
<LONG-TERM>                                     35,544
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           318
<OTHER-SE>                                      26,060
<TOTAL-LIABILITIES-AND-EQUITY>                 260,439
<INTEREST-LOAN>                                  2,107
<INTEREST-INVEST>                                1,650
<INTEREST-OTHER>                                   307
<INTEREST-TOTAL>                                 4,064
<INTEREST-DEPOSIT>                               2,291
<INTEREST-EXPENSE>                               2,748
<INTEREST-INCOME-NET>                            1,316
<LOAN-LOSSES>                                       36
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,136
<INCOME-PRETAX>                                    181
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       181
<EPS-PRIMARY>                                      .06
<EPS-DILUTED>                                      .06
<YIELD-ACTUAL>                                    2.30
<LOANS-NON>                                        344
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   822
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  858
<ALLOWANCE-DOMESTIC>                               858
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>