<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 7,589 <INT-BEARING-DEPOSITS> 286 <FED-FUNDS-SOLD> 6,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 31,172 <INVESTMENTS-CARRYING> 5,055 <INVESTMENTS-MARKET> 5,070 <LOANS> 116,497 <ALLOWANCE> 1,254 <TOTAL-ASSETS> 171,204 <DEPOSITS> 156,116 <SHORT-TERM> 504 <LIABILITIES-OTHER> 1,479 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,368 <OTHER-SE> 3,737 <TOTAL-LIABILITIES-AND-EQUITY> 171,204 <INTEREST-LOAN> 2,864 <INTEREST-INVEST> 538 <INTEREST-OTHER> 34 <INTEREST-TOTAL> 3,436 <INTEREST-DEPOSIT> 1,031 <INTEREST-EXPENSE> 1,040 <INTEREST-INCOME-NET> 2,396 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 19 <EXPENSE-OTHER> 1,815 <INCOME-PRETAX> 782 <INCOME-PRE-EXTRAORDINARY> 782 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 461 <EPS-PRIMARY> 0.23 <EPS-DILUTED> 0.22 <YIELD-ACTUAL> 8.88 <LOANS-NON> 105 <LOANS-PAST> 40 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,117 <CHARGE-OFFS> 0 <RECOVERIES> 47 <ALLOWANCE-CLOSE> 1,254 <ALLOWANCE-DOMESTIC> 893 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 361