<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT  ON FORM 10-K 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>                                              5,295
<INT-BEARING-DEPOSITS>                              1,997
<FED-FUNDS-SOLD>                                    8,350
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        28,645
<INVESTMENTS-CARRYING>                                  0
<INVESTMENTS-MARKET>                                    0
<LOANS>                                           126,984
<ALLOWANCE>                                         1,061
<TOTAL-ASSETS>                                    178,621
<DEPOSITS>                                        152,235
<SHORT-TERM>                                          883
<LIABILITIES-OTHER>                                 2,446
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                               90
<OTHER-SE>                                         11,676 
<TOTAL-LIABILITIES-AND-EQUITY>                    178,621 
<INTEREST-LOAN>                                     2,968 
<INTEREST-INVEST>                                     450 
<INTEREST-OTHER>                                       34 
<INTEREST-TOTAL>                                    3,452 
<INTEREST-DEPOSIT>                                  1,769 
<INTEREST-EXPENSE>                                  1,780 
<INTEREST-INCOME-NET>                               1,672 
<LOAN-LOSSES>                                         121 
<SECURITIES-GAINS>                                      0 
<EXPENSE-OTHER>                                     1,441 
<INCOME-PRETAX>                                       360 
<INCOME-PRE-EXTRAORDINARY>                              0 
<EXTRAORDINARY>                                         0 
<CHANGES>                                               0 
<NET-INCOME>                                          233 
<EPS-PRIMARY>                                         .27   
<EPS-DILUTED>                                         .26
<YIELD-ACTUAL>                                        4.0
<LOANS-NON>                                           135
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                       731
<ALLOWANCE-OPEN>                                      943
<CHARGE-OFFS>                                           3
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                   1,061
<ALLOWANCE-DOMESTIC>                                    0 
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0
        


</TABLE>