<TABLE> <S> <C>

<ARTICLE>            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet at  March  31,  1999  and the  unaudited
Consolidated  Statement  of Income for the three months 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>                                                                     2,974
<INT-BEARING-DEPOSITS>                                                         0
<FED-FUNDS-SOLD>                                                          22,640
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                               43,175
<INVESTMENTS-CARRYING>                                                         0
<INVESTMENTS-MARKET>                                                           0
<LOANS>                                                                   71,204
<ALLOWANCE>                                                                  966
<TOTAL-ASSETS>                                                           143,962
<DEPOSITS>                                                               129,101
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                        1,140
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                  10,572
<OTHER-SE>                                                                 3,149
<TOTAL-LIABILITIES-AND-EQUITY>                                           143,962
<INTEREST-LOAN>                                                            1,531
<INTEREST-INVEST>                                                            656
<INTEREST-OTHER>                                                             271
<INTEREST-TOTAL>                                                           2,458
<INTEREST-DEPOSIT>                                                         1,361
<INTEREST-EXPENSE>                                                         1,361
<INTEREST-INCOME-NET>                                                      1,097
<LOAN-LOSSES>                                                                 25
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              604
<INCOME-PRETAX>                                                              605
<INCOME-PRE-EXTRAORDINARY>                                                   390
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 390
<EPS-PRIMARY>                                                                .22
<EPS-DILUTED>                                                                .20
<YIELD-ACTUAL>                                                              3.25
<LOANS-NON>                                                                  342
<LOANS-PAST>                                                                   9
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                              517
<ALLOWANCE-OPEN>                                                             955
<CHARGE-OFFS>                                                                 15
<RECOVERIES>                                                                   1
<ALLOWANCE-CLOSE>                                                            966
<ALLOWANCE-DOMESTIC>                                                         966
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0
        

</TABLE>