<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                  1000
       
                                        
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                            DEC-31-1999
<PERIOD-END>                                 MAR-31-1999
<CASH>                                         1,011    
<INT-BEARING-DEPOSITS>                        20,754 
<FED-FUNDS-SOLD>                                   0
<TRADING-ASSETS>                                   0
<INVESTMENTS-HELD-FOR-SALE>                    2,797
<INVESTMENTS-CARRYING>                        11,606
<INVESTMENTS-MARKET>                          11,593
<LOANS>                                      153,711
<ALLOWANCE>                                      871
<TOTAL-ASSETS>                               193,805
<DEPOSITS>                                   159,999
<SHORT-TERM>                                   5,000
<LIABILITIES-OTHER>                            3,437
<LONG-TERM>                                        0
<PREFERRED-MANDATORY>                              0
<PREFERRED>                                        0
<COMMON>                                         219
<OTHER-SE>                                    25,150
<TOTAL-LIABILITIES-AND-EQUITY>               193,805
<INTEREST-LOAN>                                3,114
<INTEREST-INVEST>                                395
<INTEREST-OTHER>                                   0
<INTEREST-TOTAL>                               3,509
<INTEREST-DEPOSIT>                             1,831
<INTEREST-EXPENSE>                                67
<INTEREST-INCOME-NET>                          1,611
<LOAN-LOSSES>                                     23
<SECURITIES-GAINS>                                 0
<EXPENSE-OTHER>                                1,208
<INCOME-PRETAX>                                  890
<INCOME-PRE-EXTRAORDINARY>                       890
<EXTRAORDINARY>                                    0
<CHANGES>                                          0
<NET-INCOME>                                     541
<EPS-PRIMARY>                                   0.34
<EPS-DILUTED>                                   0.34
<YIELD-ACTUAL>                                  3.42
<LOANS-NON>                                      231
<LOANS-PAST>                                     352
<LOANS-TROUBLED>                                   0
<LOANS-PROBLEM>                                  755
<ALLOWANCE-OPEN>                                 853
<CHARGE-OFFS>                                      9
<RECOVERIES>                                       4
<ALLOWANCE-CLOSE>                                871
<ALLOWANCE-DOMESTIC>                             871
<ALLOWANCE-FOREIGN>                                0
<ALLOWANCE-UNALLOCATED>                            0