<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 4,128 <INT-BEARING-DEPOSITS> 950 <FED-FUNDS-SOLD> 6,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 67,218 <INVESTMENTS-CARRYING> 577 <INVESTMENTS-MARKET> 577 <LOANS> 121,778 <ALLOWANCE> 1,258 <TOTAL-ASSETS> 205,091 <DEPOSITS> 152,453 <SHORT-TERM> 68 <LIABILITIES-OTHER> 1,204 <LONG-TERM> 30,673 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 151 <OTHER-SE> 20,542 <TOTAL-LIABILITIES-AND-EQUITY> 205,091 <INTEREST-LOAN> 2,337 <INTEREST-INVEST> 1,087 <INTEREST-OTHER> 63 <INTEREST-TOTAL> 3,487 <INTEREST-DEPOSIT> 1,194 <INTEREST-EXPENSE> 1,632 <INTEREST-INCOME-NET> 1,855 <LOAN-LOSSES> 30 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,315 <INCOME-PRETAX> 987 <INCOME-PRE-EXTRAORDINARY> 987 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 637 <EPS-PRIMARY> .42 <EPS-DILUTED> .42 <YIELD-ACTUAL> 6.97 <LOANS-NON> 814 <LOANS-PAST> 22 <LOANS-TROUBLED> 899 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,260 <CHARGE-OFFS> 37 <RECOVERIES> 5 <ALLOWANCE-CLOSE> 1,258 <ALLOWANCE-DOMESTIC> 1,258 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0