<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 3,942 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,204 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,651 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 83,456 <ALLOWANCE> 869 <TOTAL-ASSETS> 102,378 <DEPOSITS> 81,651 <SHORT-TERM> 9,911 <LIABILITIES-OTHER> 1,232 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,764 <OTHER-SE> 1,820 <TOTAL-LIABILITIES-AND-EQUITY> 102,378 <INTEREST-LOAN> 1,876 <INTEREST-INVEST> 42 <INTEREST-OTHER> 90 <INTEREST-TOTAL> 2,008 <INTEREST-DEPOSIT> 790 <INTEREST-EXPENSE> 907 <INTEREST-INCOME-NET> 1,101 <LOAN-LOSSES> 40 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 879 <INCOME-PRETAX> 394 <INCOME-PRE-EXTRAORDINARY> 394 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 248 <EPS-PRIMARY> .12 <EPS-DILUTED> .12 <YIELD-ACTUAL> 4.90 <LOANS-NON> 95 <LOANS-PAST> 188 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 869 <CHARGE-OFFS> 40 <RECOVERIES> 40 <ALLOWANCE-CLOSE> 869 <ALLOWANCE-DOMESTIC> 869 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0