<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
The schedule contains summary information extracted from the quarterly report on
Form  10-QSB  for the  quarter  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-END>                                   MAR-31-1999
<CASH>                                            1306
<INT-BEARING-DEPOSITS>                           12368
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      11656
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         209505
<ALLOWANCE>                                       1608
<TOTAL-ASSETS>                                  246097
<DEPOSITS>                                      168119
<SHORT-TERM>                                     57500
<LIABILITIES-OTHER>                               1867
<LONG-TERM>                                        147
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             9
<OTHER-SE>                                       18455
<TOTAL-LIABILITIES-AND-EQUITY>                  227633
<INTEREST-LOAN>                                   4162
<INTEREST-INVEST>                                  224
<INTEREST-OTHER>                                    60
<INTEREST-TOTAL>                                  4446
<INTEREST-DEPOSIT>                                1770
<INTEREST-EXPENSE>                                2576
<INTEREST-INCOME-NET>                             1870
<LOAN-LOSSES>                                       30
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   1459
<INCOME-PRETAX>                                    672
<INCOME-PRE-EXTRAORDINARY>                         672
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       400
<EPS-PRIMARY>                                     0.46
<EPS-DILUTED>                                     0.45
<YIELD-ACTUAL>                                    3.22
<LOANS-NON>                                       1486
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                  1400
<LOANS-PROBLEM>                                   1193
<ALLOWANCE-OPEN>                                  1578
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                 1608
<ALLOWANCE-DOMESTIC>                              1608
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            140
        


</TABLE>