<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATE BALANCE SHEET AND THE CONSOLIDATE STATEMENT OF INCOME FILES AS PART
OF THE QUARTERLY REPORT ON FORM 10-Q 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>                                           7,249
<INT-BEARING-DEPOSITS>                          22,849
<FED-FUNDS-SOLD>                                 5,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,405
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        161,674
<ALLOWANCE>                                      2,225
<TOTAL-ASSETS>                                 202,802
<DEPOSITS>                                     173,986
<SHORT-TERM>                                     1,000
<LIABILITIES-OTHER>                              1,102
<LONG-TERM>                                     14,248
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,386
<OTHER-SE>                                       1,080
<TOTAL-LIABILITIES-AND-EQUITY>                 202,802
<INTEREST-LOAN>                                  3,277
<INTEREST-INVEST>                                   70
<INTEREST-OTHER>                                   128
<INTEREST-TOTAL>                                 3,475
<INTEREST-DEPOSIT>                               1,408
<INTEREST-EXPENSE>                               1,610
<INTEREST-INCOME-NET>                            1,865
<LOAN-LOSSES>                                      164
<SECURITIES-GAINS>                                  15
<EXPENSE-OTHER>                                  1,015
<INCOME-PRETAX>                                    776
<INCOME-PRE-EXTRAORDINARY>                         776
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       504
<EPS-PRIMARY>                                     0.45
<EPS-DILUTED>                                     0.41
<YIELD-ACTUAL>                                    4.34
<LOANS-NON>                                          0
<LOANS-PAST>                                        20
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    388
<ALLOWANCE-OPEN>                                 2,055
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                2,225
<ALLOWANCE-DOMESTIC>                             2,225
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            492
        

</TABLE>