<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>                                                                 3,583
<INT-BEARING-DEPOSITS>                                                 4,912
<FED-FUNDS-SOLD>                                                       1,500
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                            7,742
<INVESTMENTS-CARRYING>                                                 3,972
<INVESTMENTS-MARKET>                                                   3,833
<LOANS>                                                              111,016
<ALLOWANCE>                                                            1,522
<TOTAL-ASSETS>                                                       138,991
<DEPOSITS>                                                           118,458
<SHORT-TERM>                                                               0
<LIABILITIES-OTHER>                                                    1,378
<LONG-TERM>                                                              941
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                                   0
<OTHER-SE>                                                            18,214
<TOTAL-LIABILITIES-AND-EQUITY>                                       138,991
<INTEREST-LOAN>                                                        2,206
<INTEREST-INVEST>                                                        122
<INTEREST-OTHER>                                                         117
<INTEREST-TOTAL>                                                       2,445
<INTEREST-DEPOSIT>                                                     1,184
<INTEREST-EXPENSE>                                                     1,188
<INTEREST-INCOME-NET>                                                  1,257
<LOAN-LOSSES>                                                             60
<SECURITIES-GAINS>                                                         0
<EXPENSE-OTHER>                                                          994
<INCOME-PRETAX>                                                          408
<INCOME-PRE-EXTRAORDINARY>                                               246
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                             246
<EPS-PRIMARY>                                                            .22
<EPS-DILUTED>                                                            .22
<YIELD-ACTUAL>                                                          3.88
<LOANS-NON>                                                              164
<LOANS-PAST>                                                           1,254
<LOANS-TROUBLED>                                                       1,243
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                       1,477
<CHARGE-OFFS>                                                             18
<RECOVERIES>                                                               3
<ALLOWANCE-CLOSE>                                                      1,522
<ALLOWANCE-DOMESTIC>                                                     115
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                1,407
        


</TABLE>