<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended June 30, 1999 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-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                             428
<INT-BEARING-DEPOSITS>                             316
<FED-FUNDS-SOLD>                                 5,016
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,500
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                            209
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                   9,601
<DEPOSITS>                                       1,490
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                147
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             9
<OTHER-SE>                                       7,955
<TOTAL-LIABILITIES-AND-EQUITY>                   9,601
<INTEREST-LOAN>                                      1
<INTEREST-INVEST>                                    2
<INTEREST-OTHER>                                    74
<INTEREST-TOTAL>                                    77
<INTEREST-DEPOSIT>                                   2
<INTEREST-EXPENSE>                                  46
<INTEREST-INCOME-NET>                               31
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    658<F1>
<INCOME-PRETAX>                                  (604)
<INCOME-PRE-EXTRAORDINARY>                       (373)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (373)
<EPS-BASIC>                                     (1.69)
<EPS-DILUTED>                                   (1.69)
<YIELD-ACTUAL>                                    2.54
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $376, occupancy of
$49, travel and entertainment of $14, professional fees of $160, telephone
expenses of $12, office supplies and expenses of $6, data processing of $10,
and other expenses which totaled $31.
</FN>


</TABLE>