<ARTICLE> 9
<LEGEND>
This schedule contains financial information from the Consolidated Balance Sheet
at  March 31, 1999 (unaudited) and the Consolidated Statements of Income for the
three  months  ended March 31, 1999 (unaudited) and is qualified in its entirety
by  reference  to  such  statements.
</LEGEND>
<MULTIPLIER> 1
<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>                                        4638 
<INT-BEARING-DEPOSITS>                         467 
<FED-FUNDS-SOLD>                                 0
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  26279 
<INVESTMENTS-CARRYING>                       26279 
<INVESTMENTS-MARKET>                           827 
<LOANS>                                     131837 
<ALLOWANCE>                                   1944 
<TOTAL-ASSETS>                              169249 
<DEPOSITS>                                  142803 
<SHORT-TERM>                                  4410 
<LIABILITIES-OTHER>                           1928 
<LONG-TERM>                                   4000 
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                      3048 
<OTHER-SE>                                   13060 
<TOTAL-LIABILITIES-AND-EQUITY>              169249 
<INTEREST-LOAN>                               3182 
<INTEREST-INVEST>                              359 
<INTEREST-OTHER>                                24 
<INTEREST-TOTAL>                              3565 
<INTEREST-DEPOSIT>                            1396 
<INTEREST-EXPENSE>                            1520 
<INTEREST-INCOME-NET>                         2045 
<LOAN-LOSSES>                                   81 
<SECURITIES-GAINS>                              22 
<EXPENSE-OTHER>                               1563 
<INCOME-PRETAX>                                795 
<INCOME-PRE-EXTRAORDINARY>                     795 
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                   567 
<EPS-PRIMARY>                                  .19 
<EPS-DILUTED>                                  .16 
<YIELD-ACTUAL>                                   5 
<LOANS-NON>                                      0
<LOANS-PAST>                                    75 
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                              1827 
<CHARGE-OFFS>                                   79 
<RECOVERIES>                                   115 
<ALLOWANCE-CLOSE>                             1944 
<ALLOWANCE-DOMESTIC>                          1944 
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0