<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>                                             628
<INT-BEARING-DEPOSITS>                             117
<FED-FUNDS-SOLD>                                 3,414
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           1,000
<INVESTMENTS-MARKET>                             1,000
<LOANS>                                            749
<ALLOWANCE>                                          5
<TOTAL-ASSETS>                                   6,475
<DEPOSITS>                                       2,135
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                 50
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       4,284
<TOTAL-LIABILITIES-AND-EQUITY>                   6,474
<INTEREST-LOAN>                                      7
<INTEREST-INVEST>                                    1
<INTEREST-OTHER>                                    98
<INTEREST-TOTAL>                                   106
<INTEREST-DEPOSIT>                                   6
<INTEREST-EXPENSE>                                  18
<INTEREST-INCOME-NET>                               88
<LOAN-LOSSES>                                        5
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    236<F1>
<INCOME-PRETAX>                                  (153)
<INCOME-PRE-EXTRAORDINARY>                       (153)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (96)
<EPS-BASIC>                                      (.30)
<EPS-DILUTED>                                    (.30)
<YIELD-ACTUAL>                                     4.6
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    5
<ALLOWANCE-DOMESTIC>                                 5
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $150, occupancy of
$23, professional fees of $15, office supplies of $9, telephone of $7 and other
expenses which totaled $32.
</FN>


</TABLE>