<TABLE> <S> <C>


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<MULTIPLIER>                                   1000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                                8666
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                      5510
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         155355
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             184343
<ALLOWANCE>                                          10016
<TOTAL-ASSETS>                                      376239
<DEPOSITS>                                          278292
<SHORT-TERM>                                          5389
<LIABILITIES-OTHER>                                   3280
<LONG-TERM>                                          75611
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                              1321
<OTHER-SE>                                           12346
<TOTAL-LIABILITIES-AND-EQUITY>                      376239
<INTEREST-LOAN>                                      13022
<INTEREST-INVEST>                                     7255
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                     20363
<INTEREST-DEPOSIT>                                    8337
<INTEREST-EXPENSE>                                   12312
<INTEREST-INCOME-NET>                                 8051
<LOAN-LOSSES>                                        13390
<SECURITIES-GAINS>                                    (82)
<EXPENSE-OTHER>                                       8115
<INCOME-PRETAX>                                    (11778)
<INCOME-PRE-EXTRAORDINARY>                          (7420)
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        (7420)
<EPS-BASIC>                                         (1.42)
<EPS-DILUTED>                                       (1.42)
<YIELD-ACTUAL>                                        3.07
<LOANS-NON>                                          10727
<LOANS-PAST>                                          1248
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      27575
<ALLOWANCE-OPEN>                                      5475
<CHARGE-OFFS>                                         9177
<RECOVERIES>                                           328
<ALLOWANCE-CLOSE>                                    10016
<ALLOWANCE-DOMESTIC>                                 10016
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                               1702



</TABLE>