<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S QUARTERLY REPORT ON FORM 10-Q FOR THE QUARTER ENDED MARCH 31, 1999 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           3,907
<INT-BEARING-DEPOSITS>                          18,320
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            50,696
<LOANS>                                        110,720
<ALLOWANCE>                                      2,782
<TOTAL-ASSETS>                                 188,824
<DEPOSITS>                                     146,458
<SHORT-TERM>                                     1,503
<LIABILITIES-OTHER>                                256
<LONG-TERM>                                     23,949
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,361
<OTHER-SE>                                      15,297
<TOTAL-LIABILITIES-AND-EQUITY>                 188,824
<INTEREST-LOAN>                                  2,340
<INTEREST-INVEST>                                  773
<INTEREST-OTHER>                                   225
<INTEREST-TOTAL>                                 3,338
<INTEREST-DEPOSIT>                               1,394
<INTEREST-EXPENSE>                                 387
<INTEREST-INCOME-NET>                            1,557
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                (19)
<EXPENSE-OTHER>                                  1,452
<INCOME-PRETAX>                                    687
<INCOME-PRE-EXTRAORDINARY>                         687
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       455
<EPS-PRIMARY>                                      .33
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    7.50
<LOANS-NON>                                        439
<LOANS-PAST>                                       114
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    120
<ALLOWANCE-OPEN>                                 2,735
<CHARGE-OFFS>                                        3
<RECOVERIES>                                        50
<ALLOWANCE-CLOSE>                                2,782
<ALLOWANCE-DOMESTIC>                             2,782
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0