<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 7,474 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 9,365 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 34,930 <INVESTMENTS-CARRYING> 1,798 <INVESTMENTS-MARKET> 1,798 <LOANS> 83,068 <ALLOWANCE> 1,710 <TOTAL-ASSETS> 141,810 <DEPOSITS> 130,957 <SHORT-TERM> 0 <LIABILITIES-OTHER> 869 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,216 <OTHER-SE> 2,826 <TOTAL-LIABILITIES-AND-EQUITY> 141,810 <INTEREST-LOAN> 1,808 <INTEREST-INVEST> 483 <INTEREST-OTHER> 137 <INTEREST-TOTAL> 2,428 <INTEREST-DEPOSIT> 782 <INTEREST-EXPENSE> 782 <INTEREST-INCOME-NET> 1,646 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,432 <INCOME-PRETAX> 518 <INCOME-PRE-EXTRAORDINARY> 518 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 318 <EPS-PRIMARY> 0.40 <EPS-DILUTED> 0.38 <YIELD-ACTUAL> 5.05 <LOANS-NON> 108 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,671 <CHARGE-OFFS> 7 <RECOVERIES> 46 <ALLOWANCE-CLOSE> 1,710 <ALLOWANCE-DOMESTIC> 1,710 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0