<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at March 31, 1999,  (unaudited) and the Consolidated
Statement of Income for the three months ended March 31, 1999 (unaudited) 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>                                                     4,592
<INT-BEARING-DEPOSITS>                                   114,102
<FED-FUNDS-SOLD>                                          15,860
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                               32,655
<INVESTMENTS-CARRYING>                                     4,226
<INVESTMENTS-MARKET>                                       4,348
<LOANS>                                                  100,708
<ALLOWANCE>                                                1,200
<TOTAL-ASSETS>                                           166,667
<DEPOSITS>                                               132,957
<SHORT-TERM>                                               7,906
<LIABILITIES-OTHER>                                           85
<LONG-TERM>                                                2,000
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                   4,745
<OTHER-SE>                                                18,174
<TOTAL-LIABILITIES-AND-EQUITY>                           166,667
<INTEREST-LOAN>                                            2,181
<INTEREST-INVEST>                                            709
<INTEREST-OTHER>                                               0
<INTEREST-TOTAL>                                            2890
<INTEREST-DEPOSIT>                                         1,126
<INTEREST-EXPENSE>                                         1,220
<INTEREST-INCOME-NET>                                      1,670
<LOAN-LOSSES>                                                119
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                            1,487
<INCOME-PRETAX>                                              431
<INCOME-PRE-EXTRAORDINARY>                                   431
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                                 285
<EPS-PRIMARY>                                               0.10
<EPS-DILUTED>                                               0.10
<YIELD-ACTUAL>                                              4.57
<LOANS-NON>                                                  513
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                               8
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                           1,093
<CHARGE-OFFS>                                                 33
<RECOVERIES>                                                  20
<ALLOWANCE-CLOSE>                                          1,200
<ALLOWANCE-DOMESTIC>                                       1,200
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0
        


</TABLE>