<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM  10-KSB FOR  GUARANTY  FINANCIAL  CORPORATION  FOR THE YEAR ENDED
DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL
STATEMENTS CONTAINED IN SUCH REPORT.
</LEGEND>
<MULTIPLIER>                                   1

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                               DEC-31-1999
<PERIOD-END>                                    DEC-31-1999
<CASH>                                           12,634,518
<INT-BEARING-DEPOSITS>                            4,659,000
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                       4,897,805
<INVESTMENTS-CARRYING>                            1,085,625
<INVESTMENTS-MARKET>                              1,102,673
<LOANS>                                         205,399,169
<ALLOWANCE>                                       1,203,238
<TOTAL-ASSETS>                                  259,339,290
<DEPOSITS>                                      199,594,671
<SHORT-TERM>                                     36,650,250
<LIABILITIES-OTHER>                               1,098,681
<LONG-TERM>                                         902,513
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                          2,452,159
<OTHER-SE>                                       11,814,412
<TOTAL-LIABILITIES-AND-EQUITY>                  259,339,290
<INTEREST-LOAN>                                  15,764,851
<INTEREST-INVEST>                                 2,482,420
<INTEREST-OTHER>                                    124,865
<INTEREST-TOTAL>                                 18,372,136
<INTEREST-DEPOSIT>                                8,365,324
<INTEREST-EXPENSE>                               10,639,002
<INTEREST-INCOME-NET>                             7,733,134
<LOAN-LOSSES>                                       486,000
<SECURITIES-GAINS>                                 (870,376)
<EXPENSE-OTHER>                                   7,365,404
<INCOME-PRETAX>                                       6,733
<INCOME-PRE-EXTRAORDINARY>                            4,433
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                          4,433
<EPS-BASIC>                                               0
<EPS-DILUTED>                                             0
<YIELD-ACTUAL>                                         8.15
<LOANS-NON>                                       1,310,000
<LOANS-PAST>                                         93,000
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                  1,002,314
<CHARGE-OFFS>                                       287,076
<RECOVERIES>                                          2,000
<ALLOWANCE-CLOSE>                                 1,203,238
<ALLOWANCE-DOMESTIC>                              1,203,238
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0



</TABLE>