<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM 10-Q 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>                                              6,300
<INT-BEARING-DEPOSITS>                                545
<FED-FUNDS-SOLD>                                   17,750
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        65,991
<INVESTMENTS-CARRYING>                             94,637
<INVESTMENTS-MARKET>                               94,103
<LOANS>                                           154,541
<ALLOWANCE>                                         1,329
<TOTAL-ASSETS>                                    351,303
<DEPOSITS>                                        244,229
<SHORT-TERM>                                       18,000
<LIABILITIES-OTHER>                                 1,683
<LONG-TERM>                                        50,000
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                              304
<OTHER-SE>                                         37,087
<TOTAL-LIABILITIES-AND-EQUITY>                    351,503
<INTEREST-LOAN>                                     2,826
<INTEREST-INVEST>                                   2,785
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                    5,611
<INTEREST-DEPOSIT>                                  2,662
<INTEREST-EXPENSE>                                  3,549
<INTEREST-INCOME-NET>                               2,062
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                     1,655
<INCOME-PRETAX>                                       494
<INCOME-PRE-EXTRAORDINARY>                            302
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                          302
<EPS-PRIMARY>                                        0.14
<EPS-DILUTED>                                        0.13
<YIELD-ACTUAL>                                       2.45
<LOANS-NON>                                           933
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                     1,383
<ALLOWANCE-OPEN>                                    1,329
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                   1,329
<ALLOWANCE-DOMESTIC>                                1,329
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                             1,329
        


</TABLE>