<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-KSB and is
qualified in its entirety by reference to such financial information.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                            867,000
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                1,600,000
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                     9,294,000
<INVESTMENTS-CARRYING>                         18,898,000
<INVESTMENTS-MARKET>                           18,804,000
<LOANS>                                        11,263,000
<ALLOWANCE>                                      (140,000)
<TOTAL-ASSETS>                                 33,266,000
<DEPOSITS>                                     25,266,000
<SHORT-TERM>                                   11,449,000
<LIABILITIES-OTHER>                               163,000
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                        8,612,000
<OTHER-SE>                                       (775,000)
<TOTAL-LIABILITIES-AND-EQUITY>                 33,266,000
<INTEREST-LOAN>                                   401,000
<INTEREST-INVEST>                                 780,000
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                1,181,000
<INTEREST-DEPOSIT>                                432,000
<INTEREST-EXPENSE>                                432,000
<INTEREST-INCOME-NET>                             749,000
<LOAN-LOSSES>                                     142,000
<SECURITIES-GAINS>                                (48,000)
<EXPENSE-OTHER>                                 1,256,000
<INCOME-PRETAX>                                  (604,000)
<INCOME-PRE-EXTRAORDINARY>                       (604,000)
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                     (604,000)
<EPS-BASIC>                                        (.64)
<EPS-DILUTED>                                        (.64)
<YIELD-ACTUAL>                                       3.97
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                        0
<CHARGE-OFFS>                                       2,000
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                (140,000)
<ALLOWANCE-DOMESTIC>                             (140,000)
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0


</TABLE>