<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 2956 <INT-BEARING-DEPOSITS> 6770 <FED-FUNDS-SOLD> 2000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 51332 <INVESTMENTS-CARRYING> 51332 <INVESTMENTS-MARKET> 51332 <LOANS> 115982 <ALLOWANCE> 1018 <TOTAL-ASSETS> 182947 <DEPOSITS> 137109 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1304 <LONG-TERM> 25000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13 <OTHER-SE> 19521 <TOTAL-LIABILITIES-AND-EQUITY> 182947 <INTEREST-LOAN> 2332 <INTEREST-INVEST> 773 <INTEREST-OTHER> 52 <INTEREST-TOTAL> 3157 <INTEREST-DEPOSIT> 1654 <INTEREST-EXPENSE> 1970 <INTEREST-INCOME-NET> 1187 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1162 <INCOME-PRETAX> 308 <INCOME-PRE-EXTRAORDINARY> 308 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 200 <EPS-PRIMARY> .20 <EPS-DILUTED> .20 <YIELD-ACTUAL> 2.72 <LOANS-NON> 130 <LOANS-PAST> 0 <LOANS-TROUBLED> 229 <LOANS-PROBLEM> 45 <ALLOWANCE-OPEN> 1015 <CHARGE-OFFS> 61 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 1018 <ALLOWANCE-DOMESTIC> 1018 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0