<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM  10-KSB  FOR THE  FISCAL  YEAR  ENDED  DECEMBER  31,  1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>               1000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                                     Dec-31-1999
<PERIOD-END>                                          Dec-31-1999
<CASH>                                                      1,610
<INT-BEARING-DEPOSITS>                                      3,238
<FED-FUNDS-SOLD>                                            3,100
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                16,515
<INVESTMENTS-CARRYING>                                     17,255
<INVESTMENTS-MARKET>                                       16,768
<LOANS>                                                    36,863
<ALLOWANCE>                                                   549
<TOTAL-ASSETS>                                             80,418
<DEPOSITS>                                                 54,545
<SHORT-TERM>                                                3,427
<LIABILITIES-OTHER>                                         1,363
<LONG-TERM>                                                 2,573
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                       18
<OTHER-SE>                                                 18,492
<TOTAL-LIABILITIES-AND-EQUITY>                             80,418
<INTEREST-LOAN>                                             2,855
<INTEREST-INVEST>                                           2,206
<INTEREST-OTHER>                                              364
<INTEREST-TOTAL>                                            5,425
<INTEREST-DEPOSIT>                                          1,945
<INTEREST-EXPENSE>                                          1,999
<INTEREST-INCOME-NET>                                       3,426
<LOAN-LOSSES>                                                  65
<SECURITIES-GAINS>                                            116
<EXPENSE-OTHER>                                             2,086
<INCOME-PRETAX>                                             1,423
<INCOME-PRE-EXTRAORDINARY>                                  1,012
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                1,012
<EPS-BASIC>                                                0.63
<EPS-DILUTED>                                                0.63
<YIELD-ACTUAL>                                               4.10
<LOANS-NON>                                                   263
<LOANS-PAST>                                                  563
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                               530
<ALLOWANCE-OPEN>                                              784
<CHARGE-OFFS>                                                 300
<RECOVERIES>                                                    0
<ALLOWANCE-CLOSE>                                             549
<ALLOWANCE-DOMESTIC>                                          549
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0


</TABLE>