<TABLE> <S> <C>
                                               
<ARTICLE>                                           9
<MULTIPLIER>                                        1,000
                                                     
<S>                                                 <C>
<PERIOD-TYPE>                                                  3-MOS
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-START>                                      JAN-1-1999
<PERIOD-END>                                        MAR-31-1999
<CASH>                                                         9,300
<INT-BEARING-DEPOSITS>                                           215
<FED-FUNDS-SOLD>                                               5,820
<TRADING-ASSETS>                                                 105
<INVESTMENTS-HELD-FOR-SALE>                                   11,902
<INVESTMENTS-CARRYING>                                        12,900
<INVESTMENTS-MARKET>                                          12,914
<LOANS>                                                      125,616
<ALLOWANCE>                                                    2,207
<TOTAL-ASSETS>                                               182,457
<DEPOSITS>                                                   150,667
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            1,781
<LONG-TERM>                                                      630
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                      209
<COMMON>                                                          41
<OTHER-SE>                                                    15,170
<TOTAL-LIABILITIES-AND-EQUITY>                               182,457
<INTEREST-LOAN>                                                2,873
<INTEREST-INVEST>                                                421
<INTEREST-OTHER>                                                  48
<INTEREST-TOTAL>                                               3,342
<INTEREST-DEPOSIT>                                             1,135
<INTEREST-EXPENSE>                                             1,358
<INTEREST-INCOME-NET>                                          1,984
<LOAN-LOSSES>                                                    225
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                2,247
<INCOME-PRETAX>                                                  635
<INCOME-PRE-EXTRAORDINARY>                                       635
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     405
<EPS-PRIMARY>                                                   0.10
<EPS-DILUTED>                                                   0.09
<YIELD-ACTUAL>                                                  5.28
<LOANS-NON>                                                    4,285
<LOANS-PAST>                                                     226
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               1,984
<CHARGE-OFFS>                                                      2
<RECOVERIES>                                                     225
<ALLOWANCE-CLOSE>                                              2,207
<ALLOWANCE-DOMESTIC>                                           2,207
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          105
                                                     

</TABLE>