<ARTICLE>                                            9
<CIK>                         0001056943
<NAME>                        2r$ixyyp
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                               2,098
<INT-BEARING-DEPOSITS>                               1,949
<FED-FUNDS-SOLD>                                     1,480
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                              0
<INVESTMENTS-CARRYING>                              89,073
<INVESTMENTS-MARKET>                                89,300
<LOANS>                                            144,751
<ALLOWANCE>                                        (1,693)
<TOTAL-ASSETS>                                     247,729
<DEPOSITS>                                         211,507
<SHORT-TERM>                                         2,541
<LIABILITIES-OTHER>                                  1,459
<LONG-TERM>                                          5,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             4,455
<OTHER-SE>                                          22,767
<TOTAL-LIABILITIES-AND-EQUITY>                     247,729
<INTEREST-LOAN>                                      2,913
<INTEREST-INVEST>                                    1,286
<INTEREST-OTHER>                                         9
<INTEREST-TOTAL>                                     4,208
<INTEREST-DEPOSIT>                                   1,952
<INTEREST-EXPENSE>                                     116
<INTEREST-INCOME-NET>                                2,140
<LOAN-LOSSES>                                           60
<SECURITIES-GAINS>                                       6
<EXPENSE-OTHER>                                      1,298
<INCOME-PRETAX>                                      1,063
<INCOME-PRE-EXTRAORDINARY>                           1,063
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           851
<EPS-PRIMARY>                                         0.39
<EPS-DILUTED>                                         0.39
<YIELD-ACTUAL>                                        1.88
<LOANS-NON>                                            295
<LOANS-PAST>                                         1,207
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        775
<ALLOWANCE-OPEN>                                     1,173
<CHARGE-OFFS>                                           87
<RECOVERIES>                                             7
<ALLOWANCE-CLOSE>                                    1,693
<ALLOWANCE-DOMESTIC>                                 1,693
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0