<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S ANNUAL AUDITED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                         12-MOS
<FISCAL-YEAR-END>                DEC-31-1999
<PERIOD-START>                   JAN-01-1999
<PERIOD-END>                     DEC-31-1999
<CASH>                                                       6450
<INT-BEARING-DEPOSITS>                                          0
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                 20834
<INVESTMENTS-CARRYING>                                      16307
<INVESTMENTS-MARKET>                                        15829
<LOANS>                                                     73098
<ALLOWANCE>                                                  1069
<TOTAL-ASSETS>                                             122849
<DEPOSITS>                                                 101404
<SHORT-TERM>                                                  900
<LIABILITIES-OTHER>                                          1326
<LONG-TERM>                                                  5000
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                        9
<OTHER-SE>                                                  14210
<TOTAL-LIABILITIES-AND-EQUITY>                             122849
<INTEREST-LOAN>                                              5770
<INTEREST-INVEST>                                            1827
<INTEREST-OTHER>                                              156
<INTEREST-TOTAL>                                             7753
<INTEREST-DEPOSIT>                                           3131
<INTEREST-EXPENSE>                                           3148
<INTEREST-INCOME-NET>                                        4605
<LOAN-LOSSES>                                                 120
<SECURITIES-GAINS>                                              7
<EXPENSE-OTHER>                                              4864
<INCOME-PRETAX>                                               206
<INCOME-PRE-EXTRAORDINARY>                                    169
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                  169
<EPS-BASIC>                                                (0.17)
<EPS-DILUTED>                                              (0.17)
<YIELD-ACTUAL>                                               4.38
<LOANS-NON>                                                  1064
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                              250
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                             1068
<CHARGE-OFFS>                                                 157
<RECOVERIES>                                                   38
<ALLOWANCE-CLOSE>                                            1069
<ALLOWANCE-DOMESTIC>                                         1069
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0



</TABLE>