<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 183 <INT-BEARING-DEPOSITS> 2,604 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 573 <INVESTMENTS-CARRYING> 2,023 <INVESTMENTS-MARKET> 2,021 <LOANS> 58,468 <ALLOWANCE> 135 <TOTAL-ASSETS> 64,666 <DEPOSITS> 50,335 <SHORT-TERM> 0 <LIABILITIES-OTHER> 737 <LONG-TERM> 112 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10 <OTHER-SE> 13,472 <TOTAL-LIABILITIES-AND-EQUITY> 64,666 <INTEREST-LOAN> 1,058 <INTEREST-INVEST> 32 <INTEREST-OTHER> 29 <INTEREST-TOTAL> 1,119 <INTEREST-DEPOSIT> 610 <INTEREST-EXPENSE> 614 <INTEREST-INCOME-NET> 505 <LOAN-LOSSES> 9 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 256 <INCOME-PRETAX> 262 <INCOME-PRE-EXTRAORDINARY> 262 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 173 <EPS-PRIMARY> 0.22 <EPS-DILUTED> 0.22 <YIELD-ACTUAL> 3.2 <LOANS-NON> 236 <LOANS-PAST> 366 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 148 <CHARGE-OFFS> 22 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 135 <ALLOWANCE-DOMESTIC> 135 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0