<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
The schedule contains summary information extracted from the quarterly report on
form 10-QSB for the quarter  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-END>                                   SEP-30-1999
<CASH>                                               1,694
<INT-BEARING-DEPOSITS>                               4,956
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         10,871
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            222,214
<ALLOWANCE>                                         (1,668)
<TOTAL-ASSETS>                                     249,890
<DEPOSITS>                                         175,156
<SHORT-TERM>                                        54,000
<LIABILITIES-OTHER>                                  1,275
<LONG-TERM>                                            130
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                14
<OTHER-SE>                                          19,315
<TOTAL-LIABILITIES-AND-EQUITY>                     249,890
<INTEREST-LOAN>                                     12,833
<INTEREST-INVEST>                                      714
<INTEREST-OTHER>                                       130
<INTEREST-TOTAL>                                    13,677
<INTEREST-DEPOSIT>                                   5,321
<INTEREST-EXPENSE>                                   7,745
<INTEREST-INCOME-NET>                                5,932
<LOAN-LOSSES>                                           90
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      4,443
<INCOME-PRETAX>                                      2,316
<INCOME-PRE-EXTRAORDINARY>                           2,316
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,392
<EPS-BASIC>                                         1.07
<EPS-DILUTED>                                         1.04
<YIELD-ACTUAL>                                        3.33
<LOANS-NON>                                          1,721
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                     1,400
<LOANS-PROBLEM>                                      1,060
<ALLOWANCE-OPEN>                                    (1,578)
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                   (1,668)
<ALLOWANCE-DOMESTIC>                                (1,668)
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                238




</TABLE>