<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>                                                        2,744 
<INT-BEARING-DEPOSITS>                                           23
<FED-FUNDS-SOLD>                                              5,750
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                   4,549
<INVESTMENTS-CARRYING>                                        1,235
<INVESTMENTS-MARKET>                                          1,273
<LOANS>                                                      61,187
<ALLOWANCE>                                                     471
<TOTAL-ASSETS>                                               79,433
<DEPOSITS>                                                   72,003
<SHORT-TERM>                                                      0
<LIABILITIES-OTHER>                                             655
<LONG-TERM>                                                     204
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                      3,007
<OTHER-SE>                                                    3,564
<TOTAL-LIABILITIES-AND-EQUITY>                               79,433
<INTEREST-LOAN>                                               1,388
<INTEREST-INVEST>                                                78
<INTEREST-OTHER>                                                102
<INTEREST-TOTAL>                                              1,568
<INTEREST-DEPOSIT>                                              716
<INTEREST-EXPENSE>                                              719
<INTEREST-INCOME-NET>                                           849
<LOAN-LOSSES>                                                   22
<SECURITIES-GAINS>                                                0
<EXPENSE-OTHER>                                                 745
<INCOME-PRETAX>                                                 196
<INCOME-PRE-EXTRAORDINARY>                                      196
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                    122
<EPS-PRIMARY>                                                  0.13
<EPS-DILUTED>                                                  0.10 
<YIELD-ACTUAL>                                                 4.49
<LOANS-NON>                                                     859
<LOANS-PAST>                                                    700
<LOANS-TROUBLED>                                                  0
<LOANS-PROBLEM>                                                  87
<ALLOWANCE-OPEN>                                                461
<CHARGE-OFFS>                                                    12
<RECOVERIES>                                                      0
<ALLOWANCE-CLOSE>                                               471
<ALLOWANCE-DOMESTIC>                                            471
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0
        

</TABLE>