<TABLE> <S> <C>

<ARTICLE>                                     9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                  1,000
       
<S>                                         <C>
<PERIOD-TYPE>                                 3-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-END>                                  MAR-31-1999
<CASH>                                                209
<INT-BEARING-DEPOSITS>                              2,509
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                        14,989
<INVESTMENTS-CARRYING>                              1,945
<INVESTMENTS-MARKET>                                1,945
<LOANS>                                            10,379
<ALLOWANCE>                                            99
<TOTAL-ASSETS>                                     31,357
<DEPOSITS>                                         20,575
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                                   121
<LONG-TERM>                                         5,600
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                               58
<OTHER-SE>                                          5,003
<TOTAL-LIABILITIES-AND-EQUITY>                     31,357
<INTEREST-LOAN>                                       150
<INTEREST-INVEST>                                     205
<INTEREST-OTHER>                                       42
<INTEREST-TOTAL>                                      397
<INTEREST-DEPOSIT>                                    180
<INTEREST-EXPENSE>                                    230
<INTEREST-INCOME-NET>                                 168
<LOAN-LOSSES>                                           0
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                       282
<INCOME-PRETAX>                                      (84)
<INCOME-PRE-EXTRAORDINARY>                           (84)
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                         (84)
<EPS-PRIMARY>                                       (.14)
<EPS-DILUTED>                                           0
<YIELD-ACTUAL>                                       2.07
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                       99
<CHARGE-OFFS>                                           0
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                      99
<ALLOWANCE-DOMESTIC>                                   99
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0
        

</TABLE>