<TABLE> <S> <C>

<ARTICLE>                                                                     9

<S> <C>
<PERIOD-TYPE>                                                            12-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1999
<PERIOD-START>                                                      JAN-01-1999
<PERIOD-END>                                                        DEC-31-1999
<CASH>                                                                  758,000
<INT-BEARING-DEPOSITS>                                                        0
<FED-FUNDS-SOLD>                                                      3,008,000
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              37,000
<INVESTMENTS-CARRYING>                                                1,764,000
<INVESTMENTS-MARKET>                                                  1,737,000
<LOANS>                                                               8,595,000
<ALLOWANCE>                                                             139,000
<TOTAL-ASSETS>                                                       15,101,000
<DEPOSITS>                                                           10,824,000
<SHORT-TERM>                                                                  0
<LIABILITIES-OTHER>                                                     388,000
<LONG-TERM>                                                                   0
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                  5,000
<OTHER-SE>                                                            3,884,000
<TOTAL-LIABILITIES-AND-EQUITY>                                       15,101,000
<INTEREST-LOAN>                                                         657,000
<INTEREST-INVEST>                                                       301,000
<INTEREST-OTHER>                                                              0
<INTEREST-TOTAL>                                                        958,000
<INTEREST-DEPOSIT>                                                      429,000
<INTEREST-EXPENSE>                                                        2,000
<INTEREST-INCOME-NET>                                                   431,000
<LOAN-LOSSES>                                                            54,000
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                       1,141,000
<INCOME-PRETAX>                                                        (598,000)
<INCOME-PRE-EXTRAORDINARY>                                                    0
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                           (598,000)
<EPS-BASIC>                                                             (1.26)
<EPS-DILUTED>                                                             (1.26)
<YIELD-ACTUAL>                                                             4.05
<LOANS-NON>                                                              69,000
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                         85,000
<CHARGE-OFFS>                                                                 0
<RECOVERIES>                                                                  0
<ALLOWANCE-CLOSE>                                                       139,000
<ALLOWANCE-DOMESTIC>                                                    139,000
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0




</TABLE>