<TABLE> <S> <C>

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10-K
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<S>                                                              <C>
<PERIOD-TYPE>                                                     12-MOS
<FISCAL-YEAR-END>                                                 DEC-31-1999
<PERIOD-END>                                                      DEC-31-1999
<CASH>                                                                 95631
<INT-BEARING-DEPOSITS>                                                     0
<FED-FUNDS-SOLD>                                                           0
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                                0
<INVESTMENTS-CARRYING>                                                     0
<INVESTMENTS-MARKET>                                                       0
<LOANS>                                                                71000
<ALLOWANCE>                                                                0
<TOTAL-ASSETS>                                                        300890
<DEPOSITS>                                                                 0
<SHORT-TERM>                                                          567733
<LIABILITIES-OTHER>                                                        0
<LONG-TERM>                                                                0
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                            11320
<COMMON>                                                             2394129
<OTHER-SE>                                                                 0
<TOTAL-LIABILITIES-AND-EQUITY>                                        300890
<INTEREST-LOAN>                                                            0
<INTEREST-INVEST>                                                          0
<INTEREST-OTHER>                                                           0
<INTEREST-TOTAL>                                                           0
<INTEREST-DEPOSIT>                                                         0
<INTEREST-EXPENSE>                                                    176091
<INTEREST-INCOME-NET>                                                      0
<LOAN-LOSSES>                                                              0
<SECURITIES-GAINS>                                                         0
<EXPENSE-OTHER>                                                      1478250
<INCOME-PRETAX>                                                     (1551877)
<INCOME-PRE-EXTRAORDINARY>                                          (1551877)
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                        (1551877)
<EPS-BASIC>                                                          (0.19)
<EPS-DILUTED>                                                          (0.19)
<YIELD-ACTUAL>                                                             0
<LOANS-NON>                                                                0
<LOANS-PAST>                                                               0
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                           0
<CHARGE-OFFS>                                                              0
<RECOVERIES>                                                               0
<ALLOWANCE-CLOSE>                                                          0
<ALLOWANCE-DOMESTIC>                                                       0
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                    0



</TABLE>