<TABLE> <S> <C>

<ARTICLE>                                        9
<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>                                                                     2,449
<INT-BEARING-DEPOSITS>                                                        39
<FED-FUNDS-SOLD>                                                           5,200
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                5,700
<INVESTMENTS-CARRYING>                                                     1,109
<INVESTMENTS-MARKET>                                                       1,043
<LOANS>                                                                   62,927
<ALLOWANCE>                                                                  472
<TOTAL-ASSETS>                                                            84,785
<DEPOSITS>                                                                77,600
<SHORT-TERM>                                                                  70
<LIABILITIES-OTHER>                                                          286
<LONG-TERM>                                                                  179
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   3,007
<OTHER-SE>                                                                 3,643
<TOTAL-LIABILITIES-AND-EQUITY>                                            84,785
<INTEREST-LOAN>                                                            4,326
<INTEREST-INVEST>                                                            255
<INTEREST-OTHER>                                                             199
<INTEREST-TOTAL>                                                           4,780
<INTEREST-DEPOSIT>                                                         2,071
<INTEREST-EXPENSE>                                                         2,119
<INTEREST-INCOME-NET>                                                      2,661
<LOAN-LOSSES>                                                                164
<SECURITIES-GAINS>                                                             2
<EXPENSE-OTHER>                                                            2,499
<INCOME-PRETAX>                                                              347
<INCOME-PRE-EXTRAORDINARY>                                                   347
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 216
<EPS-BASIC>                                                               0.23
<EPS-DILUTED>                                                               0.18
<YIELD-ACTUAL>                                                              4.80
<LOANS-NON>                                                                  735
<LOANS-PAST>                                                                  41
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                              185
<ALLOWANCE-OPEN>                                                             461
<CHARGE-OFFS>                                                                186
<RECOVERIES>                                                                  33
<ALLOWANCE-CLOSE>                                                            472
<ALLOWANCE-DOMESTIC>                                                         472
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0


</TABLE>