<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended September 30, 1999 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                             757
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,668
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,978
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                          3,847
<ALLOWANCE>                                         39
<TOTAL-ASSETS>                                  12,642
<DEPOSITS>                                       3,902
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                133
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            10
<OTHER-SE>                                       8,597
<TOTAL-LIABILITIES-AND-EQUITY>                  12,642
<INTEREST-LOAN>                                     50
<INTEREST-INVEST>                                   34
<INTEREST-OTHER>                                   129
<INTEREST-TOTAL>                                   213
<INTEREST-DEPOSIT>                                  18
<INTEREST-EXPENSE>                                  63
<INTEREST-INCOME-NET>                              150
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,376<F1>
<INCOME-PRETAX>                                (1,236)
<INCOME-PRE-EXTRAORDINARY>                       (769)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (769)
<EPS-BASIC>                                     (1.63)
<EPS-DILUTED>                                   (1.63)
<YIELD-ACTUAL>                                    3.67
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   39
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $672, occupancy of
$120, travel and entertainment of $72, professional fees of $324, telephone
expenses of $21, office supplies and expenses of $22, data processing of $65,
and other expenses which totaled $80.
</FN>


</TABLE>