<TABLE> <S> <C>


<ARTICLE>                                                                 9
<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>                                                                  741
<INT-BEARING-DEPOSITS>                                                3,666
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          13,076
<INVESTMENTS-CARRYING>                                                    0
<INVESTMENTS-MARKET>                                                      0
<LOANS>                                                              76,425
<ALLOWANCE>                                                             325
<TOTAL-ASSETS>                                                       99,819
<DEPOSITS>                                                           70,833
<SHORT-TERM>                                                              0
<LIABILITIES-OTHER>                                                   2,380
<LONG-TERM>                                                          10,000
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                              6,670
<OTHER-SE>                                                            9,936
<TOTAL-LIABILITIES-AND-EQUITY>                                       99,819
<INTEREST-LOAN>                                                       1,486
<INTEREST-INVEST>                                                       185
<INTEREST-OTHER>                                                         59
<INTEREST-TOTAL>                                                      1,730
<INTEREST-DEPOSIT>                                                      773
<INTEREST-EXPENSE>                                                      875
<INTEREST-INCOME-NET>                                                   855
<LOAN-LOSSES>                                                            41
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                         426
<INCOME-PRETAX>                                                         454
<INCOME-PRE-EXTRAORDINARY>                                              282
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            282
<EPS-PRIMARY>                                                           .24
<EPS-DILUTED>                                                           .23
<YIELD-ACTUAL>                                                         3.71
<LOANS-NON>                                                               0
<LOANS-PAST>                                                            529
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                        285
<CHARGE-OFFS>                                                             0
<RECOVERIES>                                                              0
<ALLOWANCE-CLOSE>                                                       326
<ALLOWANCE-DOMESTIC>                                                      0
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 325
        


</TABLE>