<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                            5792
<INT-BEARING-DEPOSITS>                            5567
<FED-FUNDS-SOLD>                                  1706
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                         19
<INVESTMENTS-CARRYING>                            3798
<INVESTMENTS-MARKET>                              3754
<LOANS>                                         197032
<ALLOWANCE>                                       1802
<TOTAL-ASSETS>                                  228846
<DEPOSITS>                                      191676
<SHORT-TERM>                                     13180
<LIABILITIES-OTHER>                               2506
<LONG-TERM>                                       5619
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      15008
<COMMON>                                            11
<OTHER-SE>                                         846
<TOTAL-LIABILITIES-AND-EQUITY>                  228846
<INTEREST-LOAN>                                   3805
<INTEREST-INVEST>                                   77
<INTEREST-OTHER>                                   121
<INTEREST-TOTAL>                                  4003
<INTEREST-DEPOSIT>                                2262
<INTEREST-EXPENSE>                                2564
<INTEREST-INCOME-NET>                             1439
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   2219
<INCOME-PRETAX>                                      4
<INCOME-PRE-EXTRAORDINARY>                          30
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        30
<EPS-PRIMARY>                                   (0.42)
<EPS-DILUTED>                                   (0.42)
<YIELD-ACTUAL>                                    2.70
<LOANS-NON>                                       1237
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                    96
<LOANS-PROBLEM>                                   1551
<ALLOWANCE-OPEN>                                  1845
<CHARGE-OFFS>                                       61
<RECOVERIES>                                        18
<ALLOWANCE-CLOSE>                                 1802
<ALLOWANCE-DOMESTIC>                              1730
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             72