<TABLE> <S> <C>


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON  FORM  10QSB  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>                                           1,573
<INT-BEARING-DEPOSITS>                          10,584
<FED-FUNDS-SOLD>                                 4,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     71,400
<INVESTMENTS-CARRYING>                          90,344
<INVESTMENTS-MARKET>                            90,130
<LOANS>                                        149,840
<ALLOWANCE>                                        909
<TOTAL-ASSETS>                                 268,300
<DEPOSITS>                                     193,619
<SHORT-TERM>                                     3,500
<LIABILITIES-OTHER>                              1,332
<LONG-TERM>                                     45,207
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           318
<OTHER-SE>                                      24,324
<TOTAL-LIABILITIES-AND-EQUITY>                 268,300
<INTEREST-LOAN>                                  7,023
<INTEREST-INVEST>                                4,367
<INTEREST-OTHER>                                   971
<INTEREST-TOTAL>                                12,361
<INTEREST-DEPOSIT>                               6,634
<INTEREST-EXPENSE>                               8,392
<INTEREST-INCOME-NET>                            3,969
<LOAN-LOSSES>                                       87
<SECURITIES-GAINS>                              (1,069)
<EXPENSE-OTHER>                                  3,343
<INCOME-PRETAX>                                   (409)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       (25)
<EPS-BASIC>                                    (0.01)
<EPS-DILUTED>                                    (0.01)
<YIELD-ACTUAL>                                    2.30
<LOANS-NON>                                        259
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   822
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  909
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>