<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>                                              572
<INT-BEARING-DEPOSITS>                            3,280
<FED-FUNDS-SOLD>                                      0  
<TRADING-ASSETS>                                      0 
<INVESTMENTS-HELD-FOR-SALE>                       5,698
<INVESTMENTS-CARRYING>                            1,131
<INVESTMENTS-MARKET>                              1,076
<LOANS>                                          41,516
<ALLOWANCE>                                         335
<TOTAL-ASSETS>                                   52,936
<DEPOSITS>                                       40,827
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                                 664 
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             77
<OTHER-SE>                                       11,368
<TOTAL-LIABILITIES-AND-EQUITY>                   52,936
<INTEREST-LOAN>                                     820
<INTEREST-INVEST>                                    98
<INTEREST-OTHER>                                     37
<INTEREST-TOTAL>                                    955
<INTEREST-DEPOSIT>                                  466
<INTEREST-EXPENSE>                                  466
<INTEREST-INCOME-NET>                               489
<LOAN-LOSSES>                                         9
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                     297
<INCOME-PRETAX>                                     228
<INCOME-PRE-EXTRAORDINARY>                          228
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        142
<EPS-PRIMARY>                                       .22
<EPS-DILUTED>                                       .22
<YIELD-ACTUAL>                                     3.83
<LOANS-NON>                                         343
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    326
<CHARGE-OFFS>                                         0 
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                   335
<ALLOWANCE-DOMESTIC>                                335
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0
                                                       
                                                  

</TABLE>