<TABLE> <S> <C>

<ARTICLE>                                            9
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                                             DEC-31-1999
<PERIOD-END>                                                  MAR-31-1999
<CASH>                                                          4,279,190
<INT-BEARING-DEPOSITS>                                            106,149
<FED-FUNDS-SOLD>                                                5,995,000
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                     5,171,033
<INVESTMENTS-CARRYING>                                          4,349,586
<INVESTMENTS-MARKET>                                            4,339,604
<LOANS>                                                        71,466,878
<ALLOWANCE>                                                       815,810
<TOTAL-ASSETS>                                                 95,065,160
<DEPOSITS>                                                     85,457,591
<SHORT-TERM>                                                            0
<LIABILITIES-OTHER>                                               421,008
<LONG-TERM>                                                       222,719
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                        2,060,686
<OTHER-SE>                                                      6,903,156
<TOTAL-LIABILITIES-AND-EQUITY>                                 95,065,160
<INTEREST-LOAN>                                                 1,714,295
<INTEREST-INVEST>                                                 135,301
<INTEREST-OTHER>                                                   89,584
<INTEREST-TOTAL>                                                1,939,180
<INTEREST-DEPOSIT>                                                823,540
<INTEREST-EXPENSE>                                                828,014
<INTEREST-INCOME-NET>                                           1,111,166
<LOAN-LOSSES>                                                      60,000
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                   881,632
<INCOME-PRETAX>                                                   368,628
<INCOME-PRE-EXTRAORDINARY>                                        368,628
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                      236,489
<EPS-PRIMARY>                                                         .11
<EPS-DILUTED>                                                         .11
<YIELD-ACTUAL>                                                       5.25
<LOANS-NON>                                                       458,619
<LOANS-PAST>                                                      402,193
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                  754,597
<CHARGE-OFFS>                                                         642
<RECOVERIES>                                                        1,855
<ALLOWANCE-CLOSE>                                                 815,810
<ALLOWANCE-DOMESTIC>                                              815,810
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0
        

</TABLE>