<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 1999,  (unaudited) and the  Consolidated
Statement  of Income for the six months ended June 30, 1999  (unaudited)  and is
qualified in its entirety by reference to such financial statements.

</LEGEND>
<MULTIPLIER>                                                   1,000

<S>                                                          <C>
<PERIOD-TYPE>                                                      6-MOS
<FISCAL-YEAR-END>                                            DEC-31-1999
<PERIOD-END>                                                 JUN-30-1999
<CASH>                                                                    1,803
<INT-BEARING-DEPOSITS>                                                    1,483
<FED-FUNDS-SOLD>                                                          2,060
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                               4,143
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                          0
<LOANS>                                                                  28,081
<ALLOWANCE>                                                                 775
<TOTAL-ASSETS>                                                           41,112
<DEPOSITS>                                                               27,039
<SHORT-TERM>                                                              4,000
<LIABILITIES-OTHER>                                                         360
<LONG-TERM>                                                                   0
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                 10,520
<OTHER-SE>                                                                 (807)
<TOTAL-LIABILITIES-AND-EQUITY>                                           41,112
<INTEREST-LOAN>                                                             975
<INTEREST-INVEST>                                                           112
<INTEREST-OTHER>                                                             85
<INTEREST-TOTAL>                                                          1,172
<INTEREST-DEPOSIT>                                                          367
<INTEREST-EXPENSE>                                                          397
<INTEREST-INCOME-NET>                                                       775
<LOAN-LOSSES>                                                               450
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                             886
<INCOME-PRETAX>                                                            (452)
<INCOME-PRE-EXTRAORDINARY>                                                 (297)
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                               (297)
<EPS-BASIC>                                                             (0.28)
<EPS-DILUTED>                                                             (0.28)
<YIELD-ACTUAL>                                                             5.96
<LOANS-NON>                                                                   0
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                            325
<CHARGE-OFFS>                                                                 0
<RECOVERIES>                                                                  0
<ALLOWANCE-CLOSE>                                                           775
<ALLOWANCE-DOMESTIC>                                                        775
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0


</TABLE>