<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 4,594 <INT-BEARING-DEPOSITS> 3,416 <FED-FUNDS-SOLD> 2,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,606 <INVESTMENTS-CARRYING> 36,749 <INVESTMENTS-MARKET> 36,731 <LOANS> 146,260 <ALLOWANCE> 1,713 <TOTAL-ASSETS> 227,068 <DEPOSITS> 199,441 <SHORT-TERM> 461 <LIABILITIES-OTHER> 1,059 <LONG-TERM> 4,080 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 8,297 <OTHER-SE> 13,730 <TOTAL-LIABILITIES-AND-EQUITY> 227,068 <INTEREST-LOAN> 3,177 <INTEREST-INVEST> 807 <INTEREST-OTHER> 66 <INTEREST-TOTAL> 4,050 <INTEREST-DEPOSIT> 1,820 <INTEREST-EXPENSE> 1,872 <INTEREST-INCOME-NET> 2,178 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,847 <INCOME-PRETAX> 554 <INCOME-PRE-EXTRAORDINARY> 554 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 411 <EPS-PRIMARY> .13 <EPS-DILUTED> .13 <YIELD-ACTUAL> 7.60 <LOANS-NON> 2,139 <LOANS-PAST> 478 <LOANS-TROUBLED> 123 <LOANS-PROBLEM> 1,615 <ALLOWANCE-OPEN> 1,659 <CHARGE-OFFS> 117 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 1,713 <ALLOWANCE-DOMESTIC> 1,713 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 233