<ARTICLE>                                                9
<MULTIPLIER>                                         1,000
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                                 514
<INT-BEARING-DEPOSITS>                               4,780
<FED-FUNDS-SOLD>                                     9,450
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          5,289
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             84,160
<ALLOWANCE>                                          1,563
<TOTAL-ASSETS>                                     106,603
<DEPOSITS>                                          95,847
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                    610
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            12,482
<OTHER-SE>                                          (2,336)
<TOTAL-LIABILITIES-AND-EQUITY>                     106,603
<INTEREST-LOAN>                                      1,948
<INTEREST-INVEST>                                      164
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     2,112
<INTEREST-DEPOSIT>                                   1,258
<INTEREST-EXPENSE>                                   1,258
<INTEREST-INCOME-NET>                                  854
<LOAN-LOSSES>                                          367
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                        858
<INCOME-PRETAX>                                        173
<INCOME-PRE-EXTRAORDINARY>                             173
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           114
<EPS-PRIMARY>                                         0.09
<EPS-DILUTED>                                         0.09
<YIELD-ACTUAL>                                        3.52
<LOANS-NON>                                            593
<LOANS-PAST>                                           604
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,816
<CHARGE-OFFS>                                          620
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    1,563
<ALLOWANCE-DOMESTIC>                                   424
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,139