<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