<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 Income 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>                                                                    1,197
<INT-BEARING-DEPOSITS>                                                       35
<FED-FUNDS-SOLD>                                                          2,440
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              17,554
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                          0
<LOANS>                                                                       0
<ALLOWANCE>                                                              29,519
<TOTAL-ASSETS>                                                              259
<DEPOSITS>                                                               52,340
<SHORT-TERM>                                                             40,858
<LIABILITIES-OTHER>                                                           0
<LONG-TERM>                                                               4,000
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                     10
<OTHER-SE>                                                                7,152
<TOTAL-LIABILITIES-AND-EQUITY>                                           52,340
<INTEREST-LOAN>                                                           2,850
<INTEREST-INVEST>                                                           974
<INTEREST-OTHER>                                                            402
<INTEREST-TOTAL>                                                          4,226
<INTEREST-DEPOSIT>                                                        1,405
<INTEREST-EXPENSE>                                                        1,619
<INTEREST-INCOME-NET>                                                     2,607
<LOAN-LOSSES>                                                                 0
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                           1,571
<INCOME-PRETAX>                                                           1,512
<INCOME-PRE-EXTRAORDINARY>                                                1,019
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                              1,019
<EPS-BASIC>                                                                1.00
<EPS-DILUTED>                                                              1.00
<YIELD-ACTUAL>                                                             5.05
<LOANS-NON>                                                                   8
<LOANS-PAST>                                                                  2
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                              44
<ALLOWANCE-OPEN>                                                            265
<CHARGE-OFFS>                                                                 9
<RECOVERIES>                                                                  3
<ALLOWANCE-CLOSE>                                                           259
<ALLOWANCE-DOMESTIC>                                                        259
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0


</TABLE>