<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY REPORT ON FORM 10-QSB 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>                                            1,694
<INT-BEARING-DEPOSITS>                              964
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                       4,515
<INVESTMENTS-CARRYING>                            1,045
<INVESTMENTS-MARKET>                                958
<LOANS>                                          43,219
<ALLOWANCE>                                         351
<TOTAL-ASSETS>                                   52,481
<DEPOSITS>                                       40,014
<SHORT-TERM>                                          0
<LIABILITIES-OTHER>                                 873
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                             77
<OTHER-SE>                                       11,517
<TOTAL-LIABILITIES-AND-EQUITY>                   52,481
<INTEREST-LOAN>                                   2,485
<INTEREST-INVEST>                                   275
<INTEREST-OTHER>                                     99
<INTEREST-TOTAL>                                  2,859
<INTEREST-DEPOSIT>                                1,360
<INTEREST-EXPENSE>                                1,360
<INTEREST-INCOME-NET>                             1,499
<LOAN-LOSSES>                                        27
<SECURITIES-GAINS>                                    0
<EXPENSE-OTHER>                                     930
<INCOME-PRETAX>                                     680
<INCOME-PRE-EXTRAORDINARY>                            0
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        423
<EPS-BASIC>                                       .66
<EPS-DILUTED>                                       .66
<YIELD-ACTUAL>                                     3.95
<LOANS-NON>                                         349
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    326
<CHARGE-OFFS>                                         2
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                   351
<ALLOWANCE-DOMESTIC>                                351
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0



</TABLE>