<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