<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</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>                                           2,557
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,788
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     12,242
<INVESTMENTS-CARRYING>                           3,698
<INVESTMENTS-MARKET>                             3,826
<LOANS>                                         40,119
<ALLOWANCE>                                        341
<TOTAL-ASSETS>                                  64,223
<DEPOSITS>                                      59,253
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                475
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,341
<OTHER-SE>                                       3,155
<TOTAL-LIABILITIES-AND-EQUITY>                  64,223
<INTEREST-LOAN>                                    869
<INTEREST-INVEST>                                  193
<INTEREST-OTHER>                                    67
<INTEREST-TOTAL>                                 1,129
<INTEREST-DEPOSIT>                                 533
<INTEREST-EXPENSE>                                 533
<INTEREST-INCOME-NET>                              596
<LOAN-LOSSES>                                       32
<SECURITIES-GAINS>                                  13
<EXPENSE-OTHER>                                    506
<INCOME-PRETAX>                                    135
<INCOME-PRE-EXTRAORDINARY>                          95
<EXTRAORDINARY>                                      0
<CHANGES>                                           24
<NET-INCOME>                                        71
<EPS-PRIMARY>                                     0.55
<EPS-DILUTED>                                     0.55
<YIELD-ACTUAL>                                    4.16
<LOANS-NON>                                        644
<LOANS-PAST>                                       385
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    215
<ALLOWANCE-OPEN>                                   360
<CHARGE-OFFS>                                       78
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                  341
<ALLOWANCE-DOMESTIC>                               341
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             19