<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended March 31, 1999 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>                                           3,956
<INT-BEARING-DEPOSITS>                           2,131
<FED-FUNDS-SOLD>                                13,210
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          18,043
<INVESTMENTS-MARKET>                            18,020
<LOANS>                                         55,860
<ALLOWANCE>                                        574
<TOTAL-ASSETS>                                  94,767
<DEPOSITS>                                      76,095
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,327
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            35
<OTHER-SE>                                      17,310
<TOTAL-LIABILITIES-AND-EQUITY>                  94,767
<INTEREST-LOAN>                                  1,030
<INTEREST-INVEST>                                  181
<INTEREST-OTHER>                                   190
<INTEREST-TOTAL>                                 1,401
<INTEREST-DEPOSIT>                                 547
<INTEREST-EXPENSE>                                 547
<INTEREST-INCOME-NET>                              854
<LOAN-LOSSES>                                      121
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    743<F1>
<INCOME-PRETAX>                                    124
<INCOME-PRE-EXTRAORDINARY>                         124
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        87
<EPS-PRIMARY>                                      .03
<EPS-DILUTED>                                      .03
<YIELD-ACTUAL>                                    4.36
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   453
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  574
<ALLOWANCE-DOMESTIC>                               574
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $338, occupancy of
$106, advertising of $33, professional fees of $40 office supplies and expenses
of $10, data processing of $37, and other expenses which totaled $179.
</FN>
        

</TABLE>