<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