<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