<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM " THE
     CONSOLIDATED FINANCIAL STATEMENTS" AND IS QUALIFIED IN ITS ENTIRETY BY
     REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                               1,914
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     1,850
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         46,569
<INVESTMENTS-CARRYING>                               2,133
<INVESTMENTS-MARKET>                                 2,158
<LOANS>                                             93,885
<ALLOWANCE>                                            230
<TOTAL-ASSETS>                                     151,036
<DEPOSITS>                                          97,941
<SHORT-TERM>                                        10,000
<LIABILITIES-OTHER>                                  1,605
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            21,592
<OTHER-SE>                                           9,586
<TOTAL-LIABILITIES-AND-EQUITY>                     151,036
<INTEREST-LOAN>                                      1,613
<INTEREST-INVEST>                                      698
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     2,264
<INTEREST-DEPOSIT>                                     864
<INTEREST-EXPENSE>                                   1,030
<INTEREST-INCOME-NET>                                1,281
<LOAN-LOSSES>                                           15
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        861
<INCOME-PRETAX>                                        477
<INCOME-PRE-EXTRAORDINARY>                             477
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           293
<EPS-PRIMARY>                                         0.15
<EPS-DILUTED>                                         0.15
<YIELD-ACTUAL>                                        3.80
<LOANS-NON>                                              0
<LOANS-PAST>                                            92
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       215
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      230
<ALLOWANCE-DOMESTIC>                                   230
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                230
                                               


</TABLE>