<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Marine
Bancshares, Inc. audited consolidated financial statements for the year ended
December 31, 1999 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                       1,013,048
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,153,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      29,873,893
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      3,337,878
<ALLOWANCE>                                   (49,500)
<TOTAL-ASSETS>                              42,209,321
<DEPOSITS>                                  32,190,169
<SHORT-TERM>                                   390,223
<LIABILITIES-OTHER>                            409,226
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,500
<OTHER-SE>                                   9,208,203
<TOTAL-LIABILITIES-AND-EQUITY>              42,209,321
<INTEREST-LOAN>                                 36,253
<INTEREST-INVEST>                              445,223
<INTEREST-OTHER>                                98,187
<INTEREST-TOTAL>                               579,663
<INTEREST-DEPOSIT>                             173,883
<INTEREST-EXPENSE>                             183,962
<INTEREST-INCOME-NET>                          395,701
<LOAN-LOSSES>                                   49,500
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                973,941
<INCOME-PRETAX>                              (624,503)
<INCOME-PRE-EXTRAORDINARY>                   (624,503)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (624,503)
<EPS-BASIC>                                      (.61)
<EPS-DILUTED>                                    (.61)
<YIELD-ACTUAL>                                  (1.71)
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               49,500
<ALLOWANCE-DOMESTIC>                            49,500
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>