<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period 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-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           4,159
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                10,221
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,770
<INVESTMENTS-CARRYING>                          13,000
<INVESTMENTS-MARKET>                            12,656
<LOANS>                                         72,079
<ALLOWANCE>                                        807
<TOTAL-ASSETS>                                 107,039
<DEPOSITS>                                      87,746
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,544
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            35
<OTHER-SE>                                      17,714
<TOTAL-LIABILITIES-AND-EQUITY>                 107,039
<INTEREST-LOAN>                                  3,710
<INTEREST-INVEST>                                  599
<INTEREST-OTHER>                                   481
<INTEREST-TOTAL>                                 4,790
<INTEREST-DEPOSIT>                               1,889
<INTEREST-EXPENSE>                               1,889
<INTEREST-INCOME-NET>                            2,901
<LOAN-LOSSES>                                      357
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,258<F1>
<INCOME-PRETAX>                                    693
<INCOME-PRE-EXTRAORDINARY>                         693
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       447
<EPS-BASIC>                                        .13
<EPS-DILUTED>                                      .13
<YIELD-ACTUAL>                                       0<F2>
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   453
<CHARGE-OFFS>                                      (3)
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  807
<ALLOWANCE-DOMESTIC>                               807
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits fo $1,077, occupancy of
$353, professional fees of $118 and other expenses which totaled $710.
<F2>Calculated at year-end.
</FN>


</TABLE>