<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                      1000
<S>                                            <C>

<PERIOD-TYPE>                                    9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                             201
<INT-BEARING-DEPOSITS>                             274
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,318
<INVESTMENTS-CARRYING>                             781
<INVESTMENTS-MARKET>                               787
<LOANS>                                         21,447
<ALLOWANCE>                                        176
<TOTAL-ASSETS>                                  27,982
<DEPOSITS>                                      15,401
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                                777
<LONG-TERM>                                      4,950
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            24
<OTHER-SE>                                       2,756
<TOTAL-LIABILITIES-AND-EQUITY>                  27,982
<INTEREST-LOAN>                                  1,043
<INTEREST-INVEST>                                  251
<INTEREST-OTHER>                                    53
<INTEREST-TOTAL>                                 1,346
<INTEREST-DEPOSIT>                                 480
<INTEREST-EXPENSE>                                 717
<INTEREST-INCOME-NET>                              629
<LOAN-LOSSES>                                       38
<SECURITIES-GAINS>                                 (28)
<EXPENSE-OTHER>                                    550
<INCOME-PRETAX>                                    120
<INCOME-PRE-EXTRAORDINARY>                         120
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        79
<EPS-BASIC>                                      .37
<EPS-DILUTED>                                      .37
<YIELD-ACTUAL>                                    3.42
<LOANS-NON>                                         21
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   139
<CHARGE-OFFS>                                        1
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  176
<ALLOWANCE-DOMESTIC>                               176
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>