<TABLE> <S> <C>

<ARTICLE>       9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at December 31, 1999 and the Consolidated  Statement
of  Operations  for the year ended  December  31, 1999 and is  qualified  in its
entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                  1,000

<S>                           <C>
<PERIOD-TYPE>                 YEAR
<FISCAL-YEAR-END>                                                  DEC-31-1999
<PERIOD-END>                                                       DEC-31-1999
<CASH>                                                                     978
<INT-BEARING-DEPOSITS>                                                      12
<FED-FUNDS-SOLD>                                                         2,850
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                              9,972
<INVESTMENTS-CARRYING>                                                     375
<INVESTMENTS-MARKET>                                                       345
<LOANS>                                                                 57,001
<ALLOWANCE>                                                                800
<TOTAL-ASSETS>                                                          75,061
<DEPOSITS>                                                              58,715
<SHORT-TERM>                                                             4,423
<LIABILITIES-OTHER>                                                      1,213
<LONG-TERM>                                                                  0
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                11,090
<OTHER-SE>                                                                  14
<TOTAL-LIABILITIES-AND-EQUITY>                                          75,061
<INTEREST-LOAN>                                                          4,172
<INTEREST-INVEST>                                                          619
<INTEREST-OTHER>                                                           214
<INTEREST-TOTAL>                                                         5,005
<INTEREST-DEPOSIT>                                                       2,404
<INTEREST-EXPENSE>                                                       2,492
<INTEREST-INCOME-NET>                                                    2,513
<LOAN-LOSSES>                                                              225
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                          2,021
<INCOME-PRETAX>                                                            506
<INCOME-PRE-EXTRAORDINARY>                                                 506
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                               506
<EPS-BASIC>                                                               0.55
<EPS-DILUTED>                                                             0.54
<YIELD-ACTUAL>                                                            4.19
<LOANS-NON>                                                                702
<LOANS-PAST>                                                                 1
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                           575
<CHARGE-OFFS>                                                                0
<RECOVERIES>                                                                 0
<ALLOWANCE-CLOSE>                                                          800
<ALLOWANCE-DOMESTIC>                                                       800
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0


</TABLE>