<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM  10-Q SB FOR THE  FISCAL  QUARTER  ENDED  MARCH  31,  1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-END>                               MAR-31-1999             MAR-31-1998
<CASH>                                           1,419                   1,579
<INT-BEARING-DEPOSITS>                             699                       0
<FED-FUNDS-SOLD>                                 2,100                   2,700
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     15,790                   7,064
<INVESTMENTS-CARRYING>                          10,511                  21,806
<INVESTMENTS-MARKET>                            10,612                  21,940
<LOANS>                                        140,612                 136,912
<ALLOWANCE>                                        970                     840
<TOTAL-ASSETS>                                 176,077                 175,420
<DEPOSITS>                                     149,084                 151,186
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              3,179                   2,553
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            15                      15
<OTHER-SE>                                      23,799                  21,666
<TOTAL-LIABILITIES-AND-EQUITY>                 176,077                 175,420
<INTEREST-LOAN>                                  2,613                   2,638
<INTEREST-INVEST>                                  436                     505
<INTEREST-OTHER>                                    34                      43
<INTEREST-TOTAL>                                 3,083                   3,186
<INTEREST-DEPOSIT>                               1,520                   1,713
<INTEREST-EXPENSE>                               1,530                   1,714
<INTEREST-INCOME-NET>                            1,553                   1,472
<LOAN-LOSSES>                                       15                      30
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,106                   1,114
<INCOME-PRETAX>                                    540                     461
<INCOME-PRE-EXTRAORDINARY>                         540                     461
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       319                     270
<EPS-PRIMARY>                                      .29                     .25
<EPS-DILUTED>                                      .28                     .23
<YIELD-ACTUAL>                                    3.66                    3.52
<LOANS-NON>                                        688                   1,159
<LOANS-PAST>                                        81                      19
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   953                     778
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         2                      32
<ALLOWANCE-CLOSE>                                  970                     840
<ALLOWANCE-DOMESTIC>                               390                     459
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            580                     381
        

</TABLE>