<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>                                             567
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,817
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,529
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         12,981
<ALLOWANCE>                                        787
<TOTAL-ASSETS>                                  20,034
<DEPOSITS>                                      15,204
<SHORT-TERM>                                       407
<LIABILITIES-OTHER>                                263
<LONG-TERM>                                      1,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       3,154
<TOTAL-LIABILITIES-AND-EQUITY>                  20,034
<INTEREST-LOAN>                                    242
<INTEREST-INVEST>                                   32
<INTEREST-OTHER>                                    43
<INTEREST-TOTAL>                                   317
<INTEREST-DEPOSIT>                                 179
<INTEREST-EXPENSE>                                 198
<INTEREST-INCOME-NET>                              119
<LOAN-LOSSES>                                       27
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    306<F1>
<INCOME-PRETAX>                                  (202)
<INCOME-PRE-EXTRAORDINARY>                       (202)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (126)
<EPS-PRIMARY>                                    (.27)
<EPS-DILUTED>                                    (.27)
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0<F2>
<LOANS-PAST>                                         0<F2>
<LOANS-TROUBLED>                                     0<F2>
<LOANS-PROBLEM>                                      0<F2>
<ALLOWANCE-OPEN>                                   760
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  787
<ALLOWANCE-DOMESTIC>                               787
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $166, occupancy
expense of $55, professional fees of $29 and other expenses which totaled $56.
<F2>Items are only disclosed on an annual basis in the Company's Form 10-KSB, and
are, therefore, not included in this Financial Data Schedule.
</FN>
        

</TABLE>