<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> US$ <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <EXCHANGE-RATE> 1 <CASH> 5,178 <INT-BEARING-DEPOSITS> 65 <FED-FUNDS-SOLD> 11,430 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,285 <INVESTMENTS-CARRYING> 25,022 <INVESTMENTS-MARKET> 25,214 <LOANS> 78,304 <ALLOWANCE> 1,131 <TOTAL-ASSETS> 147,168 <DEPOSITS> 129,118 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,500 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 600 <OTHER-SE> 15,950 <TOTAL-LIABILITIES-AND-EQUITY> 147,168 <INTEREST-LOAN> 1,650 <INTEREST-INVEST> 695 <INTEREST-OTHER> 120 <INTEREST-TOTAL> 2,465 <INTEREST-DEPOSIT> 1,074 <INTEREST-EXPENSE> 1,074 <INTEREST-INCOME-NET> 1,391 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,090 <INCOME-PRETAX> 677 <INCOME-PRE-EXTRAORDINARY> 428 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 428 <EPS-PRIMARY> .71 <EPS-DILUTED> .71 <YIELD-ACTUAL> 7.22 <LOANS-NON> 144 <LOANS-PAST> 161 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 24 <ALLOWANCE-OPEN> 1,140 <CHARGE-OFFS> 14 <RECOVERIES> 5 <ALLOWANCE-CLOSE> 1,131 <ALLOWANCE-DOMESTIC> 1,131 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0