<TABLE> <S> <C>

<ARTICLE>                                                          9
<MULTIPLIER>                                                   1,000
<PERIOD-TYPE>                                                 12-MOS
<FISCAL-YEAR-END>                                        DEC-31-1999
<PERIOD-END>                                             DEC-31-1999
<CASH>                                                         1,240
<INT-BEARING-DEPOSITS>                                         4,148
<FED-FUNDS-SOLD>                                              12,800
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                    9,001
<INVESTMENTS-CARRYING>                                             0
<INVESTMENTS-MARKET>                                               0
<LOANS>                                                       81,870
<ALLOWANCE>                                                    1,987
<TOTAL-ASSETS>                                               108,887
<DEPOSITS>                                                    95,954
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            1,215
<LONG-TERM>                                                        0
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                      13,730
<OTHER-SE>                                                    (2,012)
<TOTAL-LIABILITIES-AND-EQUITY>                               108,887
<INTEREST-LOAN>                                                7,475
<INTEREST-INVEST>                                                911
<INTEREST-OTHER>                                                   0
<INTEREST-TOTAL>                                               8,386
<INTEREST-DEPOSIT>                                             4,983
<INTEREST-EXPENSE>                                             4,983
<INTEREST-INCOME-NET>                                          3,403
<LOAN-LOSSES>                                                  1,072
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                3,678
<INCOME-PRETAX>                                                  763
<INCOME-PRE-EXTRAORDINARY>                                       763
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     475
<EPS-BASIC>                                                   0.36
<EPS-DILUTED>                                                   0.36
<YIELD-ACTUAL>                                                  3.40
<LOANS-NON>                                                      113
<LOANS-PAST>                                                     159
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               1,816
<CHARGE-OFFS>                                                    969
<RECOVERIES>                                                      68
<ALLOWANCE-CLOSE>                                              1,987
<ALLOWANCE-DOMESTIC>                                             649
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                        1,338

</TABLE>