<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE MONTHS ENDED
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>                                           1,479
<INT-BEARING-DEPOSITS>                           9,451
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,581
<INVESTMENTS-CARRYING>                             662
<INVESTMENTS-MARKET>                               687
<LOANS>                                         99,094
<ALLOWANCE>                                        997
<TOTAL-ASSETS>                                 124,946
<DEPOSITS>                                     107,507
<SHORT-TERM>                                       174
<LIABILITIES-OTHER>                                729
<LONG-TERM>                                      7,788
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,794
<OTHER-SE>                                       1,774
<TOTAL-LIABILITIES-AND-EQUITY>                 124,946
<INTEREST-LOAN>                                  2,117
<INTEREST-INVEST>                                  110
<INTEREST-OTHER>                                    99
<INTEREST-TOTAL>                                 2,326
<INTEREST-DEPOSIT>                               1,125
<INTEREST-EXPENSE>                               1,228
<INTEREST-INCOME-NET>                            1,098
<LOAN-LOSSES>                                       75
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    833
<INCOME-PRETAX>                                    285
<INCOME-PRE-EXTRAORDINARY>                         285
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       205
<EPS-PRIMARY>                                      .20
<EPS-DILUTED>                                      .20
<YIELD-ACTUAL>                                     3.8
<LOANS-NON>                                        348
<LOANS-PAST>                                       172
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    536
<ALLOWANCE-OPEN>                                   955
<CHARGE-OFFS>                                       42
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                  997
<ALLOWANCE-DOMESTIC>                               997
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>