<TABLE> <S> <C>

<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE SEC FORM 10-QSB 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>                                                                4,564
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          34,759
<INVESTMENTS-CARRYING>                                               34,759
<INVESTMENTS-MARKET>                                                 34,759
<LOANS>                                                              99,244
<ALLOWANCE>                                                           1,390
<TOTAL-ASSETS>                                                      150,831
<DEPOSITS>                                                          117,343
<SHORT-TERM>                                                          1,719
<LIABILITIES-OTHER>                                                   1,144
<LONG-TERM>                                                          16,000
<COMMON>                                                              7,667
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                            6,958
<TOTAL-LIABILITIES-AND-EQUITY>                                      150,831
<INTEREST-LOAN>                                                       2,262
<INTEREST-INVEST>                                                       466
<INTEREST-OTHER>                                                          4
<INTEREST-TOTAL>                                                      2,732
<INTEREST-DEPOSIT>                                                      897
<INTEREST-EXPENSE>                                                    1,084
<INTEREST-INCOME-NET>                                                 1,648
<LOAN-LOSSES>                                                            38
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                       1,434
<INCOME-PRETAX>                                                         555
<INCOME-PRE-EXTRAORDINARY>                                              555
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            444
<EPS-PRIMARY>                                                           .71
<EPS-DILUTED>                                                           .71
<YIELD-ACTUAL>                                                         4.87
<LOANS-NON>                                                             261
<LOANS-PAST>                                                          1,139
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      1,389
<CHARGE-OFFS>                                                            46
<RECOVERIES>                                                             11
<ALLOWANCE-CLOSE>                                                     1,390
<ALLOWANCE-DOMESTIC>                                                  1,390
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 517
        


</TABLE>