<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 8,206 <INT-BEARING-DEPOSITS> 1,386 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 46,016 <INVESTMENTS-CARRYING> 14,830 <INVESTMENTS-MARKET> 15,072 <LOANS> 154,019 <ALLOWANCE> 2,002 <TOTAL-ASSETS> 229,246 <DEPOSITS> 192,841 <SHORT-TERM> 7,753 <LIABILITIES-OTHER> 1,673 <LONG-TERM> 6,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 19,174 <TOTAL-LIABILITIES-AND-EQUITY> 229,246 <INTEREST-LOAN> 3,267 <INTEREST-INVEST> 879 <INTEREST-OTHER> 33 <INTEREST-TOTAL> 4,179 <INTEREST-DEPOSIT> 1,888 <INTEREST-EXPENSE> 2,050 <INTEREST-INCOME-NET> 2,129 <LOAN-LOSSES> 75 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,427 <INCOME-PRETAX> 954 <INCOME-PRE-EXTRAORDINARY> 954 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 635 <EPS-PRIMARY> .72 <EPS-DILUTED> .72 <YIELD-ACTUAL> 4.28 <LOANS-NON> 299 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,036 <ALLOWANCE-OPEN> 1,947 <CHARGE-OFFS> 75 <RECOVERIES> 55 <ALLOWANCE-CLOSE> 2,002 <ALLOWANCE-DOMESTIC> 2,002 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0