<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED FINANCIAL STATEMENTS DATED MARCH 31, 1999 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-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 7,551 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 46,562 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 90,563 <ALLOWANCE> 1,666 <TOTAL-ASSETS> 163,373 <DEPOSITS> 148,341 <SHORT-TERM> 0 <LIABILITIES-OTHER> 862 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,790 <OTHER-SE> 6,380 <TOTAL-LIABILITIES-AND-EQUITY> 163,373 <INTEREST-LOAN> 2,246 <INTEREST-INVEST> 632 <INTEREST-OTHER> 80 <INTEREST-TOTAL> 2,958 <INTEREST-DEPOSIT> 938 <INTEREST-EXPENSE> 938 <INTEREST-INCOME-NET> 2,020 <LOAN-LOSSES> 100 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,989 <INCOME-PRETAX> 416 <INCOME-PRE-EXTRAORDINARY> 416 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 273 <EPS-PRIMARY> .20 <EPS-DILUTED> .19 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,564 <CHARGE-OFFS> 8 <RECOVERIES> 10 <ALLOWANCE-CLOSE> 1,666 <ALLOWANCE-DOMESTIC> 1,666 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,289