<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM OUR
SEPTEMBER 30, 1999 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-END>                                  SEP-30-1999
<CASH>                                              2,650
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                   42,155
<INVESTMENTS-HELD-FOR-SALE>                        12,773
<INVESTMENTS-CARRYING>                             12,230
<INVESTMENTS-MARKET>                              100,337
<LOANS>                                             1,063
<ALLOWANCE>                                       165,682
<TOTAL-ASSETS>                                    138,793
<DEPOSITS>                                          2,562
<SHORT-TERM>                                          918
<LIABILITIES-OTHER>                                 7,000
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                         5,156
<COMMON>                                           10,352
<OTHER-SE>                                        165,682
<TOTAL-LIABILITIES-AND-EQUITY>                      2,078
<INTEREST-LOAN>                                       825
<INTEREST-INVEST>                                      10
<INTEREST-OTHER>                                    2,913
<INTEREST-TOTAL>                                    1,145
<INTEREST-DEPOSIT>                                  1,292
<INTEREST-EXPENSE>                                  1,621
<INTEREST-INCOME-NET>                                  20
<LOAN-LOSSES>                                         (27)
<SECURITIES-GAINS>                                  1,027
<EXPENSE-OTHER>                                       801
<INCOME-PRETAX>                                       801
<INCOME-PRE-EXTRAORDINARY>                              0
<EXTRAORDINARY>                                         0
<CHANGES>                                            (312)
<NET-INCOME>                                          615
<EPS-BASIC>                                        0.73
<EPS-DILUTED>                                        0.73
<YIELD-ACTUAL>                                       4.59
<LOANS-NON>                                           191
<LOANS-PAST>                                            3
<LOANS-TROUBLED>                                      108
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                     1051
<CHARGE-OFFS>                                          15
<RECOVERIES>                                            7
<ALLOWANCE-CLOSE>                                    1063
<ALLOWANCE-DOMESTIC>                                 1063
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0





</TABLE>