<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the Balance Sheet, and Statement of Income, 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-END> MAR-31-1999 <CASH> 11,059 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 16,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,686 <INVESTMENTS-CARRYING> 13,033 <INVESTMENTS-MARKET> 13,129 <LOANS> 114,376 <ALLOWANCE> 2,131 <TOTAL-ASSETS> 157,156 <DEPOSITS> 136,767 <SHORT-TERM> 2,500 <LIABILITIES-OTHER> 2,908 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,896 <OTHER-SE> 10,085 <TOTAL-LIABILITIES-AND-EQUITY> 157,156 <INTEREST-LOAN> 2,806 <INTEREST-INVEST> 213 <INTEREST-OTHER> 101 <INTEREST-TOTAL> 3,120 <INTEREST-DEPOSIT> 904 <INTEREST-EXPENSE> 940 <INTEREST-INCOME-NET> 2,180 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,656 <INCOME-PRETAX> 1,087 <INCOME-PRE-EXTRAORDINARY> 1,087 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 644 <EPS-PRIMARY> .64 <EPS-DILUTED> .62 <YIELD-ACTUAL> 9.04 <LOANS-NON> 145 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,131 <CHARGE-OFFS> 25 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 2,131 <ALLOWANCE-DOMESTIC> 2,131 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0