<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1999 FIRST QUARTER 10-Q </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> 2,452 <INT-BEARING-DEPOSITS> 24 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,212 <INVESTMENTS-CARRYING> 6,011 <INVESTMENTS-MARKET> 6,201 <LOANS> 84,889 <ALLOWANCE> 1,028 <TOTAL-ASSETS> 102,339 <DEPOSITS> 70,980 <SHORT-TERM> 1,200 <LIABILITIES-OTHER> 1,458 <LONG-TERM> 17,505 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 2,981 <OTHER-SE> 8,215 <TOTAL-LIABILITIES-AND-EQUITY> 102,339 <INTEREST-LOAN> 1,643 <INTEREST-INVEST> 185 <INTEREST-OTHER> 7 <INTEREST-TOTAL> 1,835 <INTEREST-DEPOSIT> 598 <INTEREST-EXPENSE> 836 <INTEREST-INCOME-NET> 999 <LOAN-LOSSES> 9 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 626 <INCOME-PRETAX> 500 <INCOME-PRE-EXTRAORDINARY> 500 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 352 <EPS-PRIMARY> .59 <EPS-DILUTED> .59 <YIELD-ACTUAL> 4.37 <LOANS-NON> 62 <LOANS-PAST> 31 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,011 <CHARGE-OFFS> 7 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1,028 <ALLOWANCE-DOMESTIC> 553 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 475