<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet at September  30, 1999 and the unaudited
Consolidated  statement of  Operations  for the nine months ended  September 30,
1999 and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>       1,000

<S>                                        <C>
<PERIOD-TYPE>                                    9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           1,321
<INT-BEARING-DEPOSITS>                              13
<FED-FUNDS-SOLD>                                 5,490
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,449
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         49,358
<ALLOWANCE>                                        700
<TOTAL-ASSETS>                                  69,856
<DEPOSITS>                                      56,224
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,894
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,579
<OTHER-SE>                                       6,159
<TOTAL-LIABILITIES-AND-EQUITY>                  69,856
<INTEREST-LOAN>                                  2,913
<INTEREST-INVEST>                                  484
<INTEREST-OTHER>                                   153
<INTEREST-TOTAL>                                 3,550
<INTEREST-DEPOSIT>                               1,694
<INTEREST-EXPENSE>                               1,744
<INTEREST-INCOME-NET>                            1,806
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,516
<INCOME-PRETAX>                                    444
<INCOME-PRE-EXTRAORDINARY>                         293
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       293
<EPS-BASIC>                                      .32
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    3.95
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   575
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  700
<ALLOWANCE-DOMESTIC>                               700
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>