<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
<CURRENCY>                                         USD
       
                             
<PERIOD-TYPE>                     YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           2,807
<INT-BEARING-DEPOSITS>                             671
<FED-FUNDS-SOLD>                                 2,316
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     54,730
<INVESTMENTS-CARRYING>                          16,864
<INVESTMENTS-MARKET>                            16,857
<LOANS>                                         85,260
<ALLOWANCE>                                        848
<TOTAL-ASSETS>                                 171,257
<DEPOSITS>                                     149,552
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                                639
<LONG-TERM>                                      5,796
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             7
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 171,257
<INTEREST-LOAN>                                  1,888
<INTEREST-INVEST>                                1,112
<INTEREST-OTHER>                                    66
<INTEREST-TOTAL>                                 3,066
<INTEREST-DEPOSIT>                               1,385
<INTEREST-EXPENSE>                               1,472
<INTEREST-INCOME-NET>                            1,594
<LOAN-LOSSES>                                      151
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,667
<INCOME-PRETAX>                                     59
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        38
<EPS-PRIMARY>                                      .05
<EPS-DILUTED>                                      .04
<YIELD-ACTUAL>                                   3.877
<LOANS-NON>                                      1,017
<LOANS-PAST>                                       754
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,028
<ALLOWANCE-OPEN>                                   699
<CHARGE-OFFS>                                       41
<RECOVERIES>                                        39
<ALLOWANCE-CLOSE>                                  848
<ALLOWANCE-DOMESTIC>                               848
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            395