<TABLE> <S> <C>

<ARTICLE>                                                              9
<MULTIPLIER>                                                       1,000

<S>                                                                  <C>
<PERIOD-TYPE>                                                     12-MOS
<FISCAL-YEAR-END>                                            DEC-31-1999
<PERIOD-START>                                               JAN-01-1999
<PERIOD-END>                                                 DEC-31-1999
<CASH>                                                             4,040
<INT-BEARING-DEPOSITS>                                                32
<FED-FUNDS-SOLD>                                                   3,550
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                        5,636
<INVESTMENTS-CARRYING>                                             1,039
<INVESTMENTS-MARKET>                                                 953
<LOANS>                                                           69,713
<ALLOWANCE>                                                          401
<TOTAL-ASSETS>                                                    88,059
<DEPOSITS>                                                        79,091
<SHORT-TERM>                                                          70
<LIABILITIES-OTHER>                                                  364
<LONG-TERM>                                                          167
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                           4,125
<OTHER-SE>                                                         4,242
<TOTAL-LIABILITIES-AND-EQUITY>                                    88,059
<INTEREST-LOAN>                                                    5,877
<INTEREST-INVEST>                                                    352
<INTEREST-OTHER>                                                     271
<INTEREST-TOTAL>                                                   6,500
<INTEREST-DEPOSIT>                                                 2,853
<INTEREST-EXPENSE>                                                 2,904
<INTEREST-INCOME-NET>                                              3,596
<LOAN-LOSSES>                                                        675
<SECURITIES-GAINS>                                                     0
<EXPENSE-OTHER>                                                    3,867
<INCOME-PRETAX>                                                     (443)
<INCOME-PRE-EXTRAORDINARY>                                          (443)
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                        (276)
<EPS-BASIC>                                                      (0.29)
<EPS-DILUTED>                                                      (0.27)
<YIELD-ACTUAL>                                                      4.73
<LOANS-NON>                                                          456
<LOANS-PAST>                                                           2
<LOANS-TROUBLED>                                                     656
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                                     461
<CHARGE-OFFS>                                                        768
<RECOVERIES>                                                          33
<ALLOWANCE-CLOSE>                                                    401
<ALLOWANCE-DOMESTIC>                                                 401
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                                0


</TABLE>