<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             OCT-01-1999             JAN-01-1999
<PERIOD-END>                               DEC-31-1999             DEC-31-1999
<CASH>                                          12,977                  12,977
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                35,780                  35,780
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     29,811                  29,811
<INVESTMENTS-CARRYING>                           2,974                   2,974
<INVESTMENTS-MARKET>                             2,970                   2,970
<LOANS>                                        145,985                 145,985
<ALLOWANCE>                                      4,550                   4,550
<TOTAL-ASSETS>                                 328,044                 328,044
<DEPOSITS>                                     266,300                 266,300
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              6,757                   6,757
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                           826                     826
<OTHER-SE>                                      54,161                  54,161
<TOTAL-LIABILITIES-AND-EQUITY>                 328,044                 328,044
<INTEREST-LOAN>                                  3,851                  13,933
<INTEREST-INVEST>                                  804                   2,953
<INTEREST-OTHER>                                   355                   1,486
<INTEREST-TOTAL>                                 5,010                  18,372
<INTEREST-DEPOSIT>                               2,877                  10,739
<INTEREST-EXPENSE>                                 186                     842
<INTEREST-INCOME-NET>                            1,947                   6,791
<LOAN-LOSSES>                                      618                   3,019
<SECURITIES-GAINS>                                 416                     416
<EXPENSE-OTHER>                                  7,044                  28,283
<INCOME-PRETAX>                                  3,325                  10,701
<INCOME-PRE-EXTRAORDINARY>                       3,325                  10,701
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,592                   6,009
<EPS-BASIC>                                       0.19                    0.74
<EPS-DILUTED>                                     0.19                    0.72
<YIELD-ACTUAL>                                    3.74                    2.82
<LOANS-NON>                                      3,299                   3,299
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,550                   4,000
<CHARGE-OFFS>                                      646                   2,549
<RECOVERIES>                                        28                      80
<ALLOWANCE-CLOSE>                                4,550                   4,550
<ALLOWANCE-DOMESTIC>                             3,204                   3,204
<ALLOWANCE-FOREIGN>                                763                     763
<ALLOWANCE-UNALLOCATED>                            583                     583


</TABLE>