<TABLE> <S> <C>

<ARTICLE>         9
<LEGEND>
THE  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION   EXTRACTED  FROM  THE
"QUARTERLY REPORT ON FORM 10-QSB FOR THE FISCAL QUARTER ENDED MARCH 31, 1999 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>      1,000
       
<S>                                        <C>               <C>
<PERIOD-TYPE>                               3-MOS             3-MOS
<FISCAL-YEAR-END>                           Dec-31-1999       Dec-31-1998
<PERIOD-END>                                Mar-31-1999       Mar-31-1998
<CASH>                                        1,144             1,249
<INT-BEARING-DEPOSITS>                        2,529             1,784
<FED-FUNDS-SOLD>                                  0                 0
<TRADING-ASSETS>                                  0                 0
<INVESTMENTS-HELD-FOR-SALE>                  37,185            39,391
<INVESTMENTS-CARRYING>                       23,366            17,845
<INVESTMENTS-MARKET>                         23,591            18,105
<LOANS>                                      94,492            91,512
<ALLOWANCE>                                     492               460
<TOTAL-ASSETS>                              164,983           158,661
<DEPOSITS>                                  107,534           105,486
<SHORT-TERM>                                  3,000            19,000
<LIABILITIES-OTHER>                           1,095             1,241
<LONG-TERM>                                  41,000            22,000
<COMMON>                                     12,354            10,934
<PREFERRED-MANDATORY>                             0                 0
<PREFERRED>                                       0                 0
<OTHER-SE>                                        0                 0
<TOTAL-LIABILITIES-AND-EQUITY>              164,983           158,661
<INTEREST-LOAN>                               1,907             1,848
<INTEREST-INVEST>                               950               963
<INTEREST-OTHER>                                  0                 0
<INTEREST-TOTAL>                              2,857             2,811
<INTEREST-DEPOSIT>                            1,191             1,230
<INTEREST-EXPENSE>                            1,783             1,771
<INTEREST-INCOME-NET>                         1,074             1,040
<LOAN-LOSSES>                                    12                12
<SECURITIES-GAINS>                                3                36
<EXPENSE-OTHER>                                 715               692
<INCOME-PRETAX>                                 453               460
<INCOME-PRE-EXTRAORDINARY>                      453               460
<EXTRAORDINARY>                                   0                 0
<CHANGES>                                         0                 0
<NET-INCOME>                                    335               311
<EPS-PRIMARY>                                  0.31              0.30
<EPS-DILUTED>                                  0.30              0.28
<YIELD-ACTUAL>                                 2.85              2.80
<LOANS-NON>                                     145               384
<LOANS-PAST>                                      0                 0
<LOANS-TROUBLED>                                  0                 0
<LOANS-PROBLEM>                                   0                 0
<ALLOWANCE-OPEN>                                480               568
<CHARGE-OFFS>                                     0               120
<RECOVERIES>                                      0                 0
<ALLOWANCE-CLOSE>                               492               460
<ALLOWANCE-DOMESTIC>                            277               364
<ALLOWANCE-FOREIGN>                               0                 0
<ALLOWANCE-UNALLOCATED>                         215                96
        


</TABLE>