<TABLE> <S> <C>


<ARTICLE>                                            9
<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>                                                    16,965
<INT-BEARING-DEPOSITS>                                         0
<FED-FUNDS-SOLD>                                               0
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              121,350
<INVESTMENTS-CARRYING>                                         0
<INVESTMENTS-MARKET>                                           0
<LOANS>                                                   83,862
<ALLOWANCE>                                                 (844)
<TOTAL-ASSETS>                                           228,901
<DEPOSITS>                                               140,740
<SHORT-TERM>                                                   0
<LIABILITIES-OTHER>                                        8,703
<LONG-TERM>                                               54,671
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                  28,523
<OTHER-SE>                                                (3,736)
<TOTAL-LIABILITIES-AND-EQUITY>                           228,901
<INTEREST-LOAN>                                            1,755
<INTEREST-INVEST>                                            169
<INTEREST-OTHER>                                               0
<INTEREST-TOTAL>                                           1,924
<INTEREST-DEPOSIT>                                         1,969
<INTEREST-EXPENSE>                                         2,048
<INTEREST-INCOME-NET>                                       (124)
<LOAN-LOSSES>                                                654
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                           (8,236)
<INCOME-PRETAX>                                           (5,474)
<INCOME-PRE-EXTRAORDINARY>                                (5,474)
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                              (5,151)
<EPS-BASIC>                                              (1.00)
<EPS-DILUTED>                                              (1.00)
<YIELD-ACTUAL>                                             (0.58)
<LOANS-NON>                                                5,867
<LOANS-PAST>                                               1,368
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                            (864)
<CHARGE-OFFS>                                                674
<RECOVERIES>                                                   0
<ALLOWANCE-CLOSE>                                           (654)
<ALLOWANCE-DOMESTIC>                                           0
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                     (654)




</TABLE>