<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CURRENT
REPORT ON FORM 10Q FOR THE THREE MONTHS ENDED MARCH 31, 1999 IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY>     U.S.
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                   1.00
<CASH>                                           4,960
<INT-BEARING-DEPOSITS>                           3,875
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,242
<INVESTMENTS-CARRYING>                          54,326
<INVESTMENTS-MARKET>                            54,242
<LOANS>                                        150,762
<ALLOWANCE>                                      1,496
<TOTAL-ASSETS>                                 229,433
<DEPOSITS>                                     161,636
<SHORT-TERM>                                    34,180
<LIABILITIES-OTHER>                              3,003
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        28,002
<OTHER-SE>                                       2,612
<TOTAL-LIABILITIES-AND-EQUITY>                 229,433
<INTEREST-LOAN>                                  3,090
<INTEREST-INVEST>                                  744
<INTEREST-OTHER>                                   109
<INTEREST-TOTAL>                                 3,943
<INTEREST-DEPOSIT>                               1,661
<INTEREST-EXPENSE>                               2,101
<INTEREST-INCOME-NET>                            1,842
<LOAN-LOSSES>                                       40
<SECURITIES-GAINS>                                  15
<EXPENSE-OTHER>                                  1,681
<INCOME-PRETAX>                                    938
<INCOME-PRE-EXTRAORDINARY>                         938
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       573
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    7.56
<LOANS-NON>                                        531
<LOANS-PAST>                                       330
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,485
<CHARGE-OFFS>                                       29
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,496
<ALLOWANCE-DOMESTIC>                             1,496
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0