<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>                                1000
       
<S>                                         <C>
<PERIOD-TYPE>                                       3-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-END>                                  MAR-31-1999
<CASH>                                                474
<INT-BEARING-DEPOSITS>                              6,967
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                         4,262
<INVESTMENTS-CARRYING>                             18,795
<INVESTMENTS-MARKET>                               18,922
<LOANS>                                            13,910
<ALLOWANCE>                                           131
<TOTAL-ASSETS>                                     49,383
<DEPOSITS>                                         38,096
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                                 1,631
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                               73
<OTHER-SE>                                          9,583
<TOTAL-LIABILITIES-AND-EQUITY>                     49,383
<INTEREST-LOAN>                                       273
<INTEREST-INVEST>                                     296
<INTEREST-OTHER>                                      150
<INTEREST-TOTAL>                                      719
<INTEREST-DEPOSIT>                                    373
<INTEREST-EXPENSE>                                    373
<INTEREST-INCOME-NET>                                 346
<LOAN-LOSSES>                                           3
<SECURITIES-GAINS>                                     17
<EXPENSE-OTHER>                                       393
<INCOME-PRETAX>                                         6
<INCOME-PRE-EXTRAORDINARY>                              6
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                            6
<EPS-PRIMARY>                                           0
<EPS-DILUTED>                                           0
<YIELD-ACTUAL>                                       3.03
<LOANS-NON>                                            66
<LOANS-PAST>                                           50
<LOANS-TROUBLED>                                        0 
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                      128
<CHARGE-OFFS>                                           3
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                     131
<ALLOWANCE-DOMESTIC>                                  131
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0
        


</TABLE>