<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 12,046,000 <INT-BEARING-DEPOSITS> 11,918,000 <FED-FUNDS-SOLD> 36,320,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 63,564,000 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 102,072,000 <ALLOWANCE> 2,291,000 <TOTAL-ASSETS> 227,736,000 <DEPOSITS> 202,422,000 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,200,000 <LONG-TERM> 1,425,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,011,000 <OTHER-SE> 6,228,000 <TOTAL-LIABILITIES-AND-EQUITY> 227,736,000 <INTEREST-LOAN> 2,312,000 <INTEREST-INVEST> 841,000 <INTEREST-OTHER> 410,000 <INTEREST-TOTAL> 3,563,000 <INTEREST-DEPOSIT> 1,126,000 <INTEREST-EXPENSE> 1,127,000 <INTEREST-INCOME-NET> 2,436,000 <LOAN-LOSSES> (220,000) <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,332,000 <INCOME-PRETAX> 690,000 <INCOME-PRE-EXTRAORDINARY> 409,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 409,000 <EPS-PRIMARY> 0.14 <EPS-DILUTED> 0.14 <YIELD-ACTUAL> .048 <LOANS-NON> 378,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,500,000 <CHARGE-OFFS> 0 <RECOVERIES> 11,000 <ALLOWANCE-CLOSE> 2,291,000 <ALLOWANCE-DOMESTIC> 2,291,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0