<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>                                             687
<INT-BEARING-DEPOSITS>                             144
<FED-FUNDS-SOLD>                                 3,732
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        525
<INVESTMENTS-CARRYING>                           1,000
<INVESTMENTS-MARKET>                               994
<LOANS>                                          1,902
<ALLOWANCE>                                         16
<TOTAL-ASSETS>                                   8,660
<DEPOSITS>                                       4,268
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                141
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       4,246
<TOTAL-LIABILITIES-AND-EQUITY>                   8,660
<INTEREST-LOAN>                                     46
<INTEREST-INVEST>                                   22
<INTEREST-OTHER>                                   146
<INTEREST-TOTAL>                                   214
<INTEREST-DEPOSIT>                                  30
<INTEREST-EXPENSE>                                  42
<INTEREST-INCOME-NET>                              172
<LOAN-LOSSES>                                       16
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    391<F1>
<INCOME-PRETAX>                                  (230)
<INCOME-PRE-EXTRAORDINARY>                       (143)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (143)
<EPS-BASIC>                                      (.37)
<EPS-DILUTED>                                    (.37)
<YIELD-ACTUAL>                                     4.9
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   16
<ALLOWANCE-DOMESTIC>                                16
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits fo $237, occupancy of
$44, professional fees of $20, office supplies of $15, telephone of $8 and
other expenses which totaled $67.
</FN>


</TABLE>