<TABLE> <S> <C>

<ARTICLE>                                        9
<MULTIPLIER>                                     1,000

<S>                                              <C>
<PERIOD-TYPE>                                    9-MOS
<FISCAL-YEAR-END>                                                                         DEC-31-1999
<PERIOD-START>                                                                            JAN-01-1999
<PERIOD-END>                                                                              SEP-30-1999
<CASH>                                                                                          2,449
<INT-BEARING-DEPOSITS>                                                                             39
<FED-FUNDS-SOLD>                                                                                5,200
<TRADING-ASSETS>                                                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                                                     5,700
<INVESTMENTS-CARRYING>                                                                          1,109
<INVESTMENTS-MARKET>                                                                            1,043
<LOANS>                                                                                        62,927
<ALLOWANCE>                                                                                       367
<TOTAL-ASSETS>                                                                                 84,869
<DEPOSITS>                                                                                     77,600
<SHORT-TERM>                                                                                       70
<LIABILITIES-OTHER>                                                                               286
<LONG-TERM>                                                                                       179
<PREFERRED-MANDATORY>                                                                               0
<PREFERRED>                                                                                         0
<COMMON>                                                                                        3,007
<OTHER-SE>                                                                                      3,727
<TOTAL-LIABILITIES-AND-EQUITY>                                                                 84,869
<INTEREST-LOAN>                                                                                 4,356
<INTEREST-INVEST>                                                                                 255
<INTEREST-OTHER>                                                                                  199
<INTEREST-TOTAL>                                                                                4,810
<INTEREST-DEPOSIT>                                                                              2,071
<INTEREST-EXPENSE>                                                                              2,119
<INTEREST-INCOME-NET>                                                                           2,691
<LOAN-LOSSES>                                                                                      59
<SECURITIES-GAINS>                                                                                  2
<EXPENSE-OTHER>                                                                                 2,499
<INCOME-PRETAX>                                                                                   482
<INCOME-PRE-EXTRAORDINARY>                                                                        482
<EXTRAORDINARY>                                                                                     0
<CHANGES>                                                                                           0
<NET-INCOME>                                                                                      300
<EPS-BASIC>                                                                                    0.32
<EPS-DILUTED>                                                                                    0.26
<YIELD-ACTUAL>                                                                                   4.80
<LOANS-NON>                                                                                       171
<LOANS-PAST>                                                                                      605
<LOANS-TROUBLED>                                                                                    0
<LOANS-PROBLEM>                                                                                   106
<ALLOWANCE-OPEN>                                                                                  461
<CHARGE-OFFS>                                                                                     186
<RECOVERIES>                                                                                       33
<ALLOWANCE-CLOSE>                                                                                 367
<ALLOWANCE-DOMESTIC>                                                                              367
<ALLOWANCE-FOREIGN>                                                                                 0
<ALLOWANCE-UNALLOCATED>                                                                             0


</TABLE>