<ARTICLE> 9 <MULTIPLIER> 1000 <CURRENCY> U.S.DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <EXCHANGE-RATE> 1 <CASH> 4,581 <INT-BEARING-DEPOSITS> 41,168 <FED-FUNDS-SOLD> 3,640 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,477 <INVESTMENTS-CARRYING> 11,693 <INVESTMENTS-MARKET> 11,634 <LOANS> 46,479 <ALLOWANCE> 607 <TOTAL-ASSETS> 73,869 <DEPOSITS> 64,691 <SHORT-TERM> 0 <LIABILITIES-OTHER> 480 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,646 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 73,869 <INTEREST-LOAN> 871 <INTEREST-INVEST> 251 <INTEREST-OTHER> 66 <INTEREST-TOTAL> 1,188 <INTEREST-DEPOSIT> 338 <INTEREST-EXPENSE> 338 <INTEREST-INCOME-NET> 850 <LOAN-LOSSES> 137 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 911 <INCOME-PRETAX> 57 <INCOME-PRE-EXTRAORDINARY> 57 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 62 <EPS-PRIMARY> .02 <EPS-DILUTED> .02 <YIELD-ACTUAL> 7.09 <LOANS-NON> 121 <LOANS-PAST> 31 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 733 <CHARGE-OFFS> 137 <RECOVERIES> 11 <ALLOWANCE-CLOSE> 607 <ALLOWANCE-DOMESTIC> 607 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 607