<TABLE> <S> <C>



<ARTICLE>                                9

<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                         1,000

<S>                                                  <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                                    DEC-31-1999
<PERIOD-END>                                         SEP-30-1999
<CASH>                                                        340
<INT-BEARING-DEPOSITS>                                      3,279
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                16,144
<INVESTMENTS-CARRYING>                                      1,711
<INVESTMENTS-MARKET>                                        1,652
<LOANS>                                                    23,906
<ALLOWANCE>                                                   158
<TOTAL-ASSETS>                                             46,602
<DEPOSITS>                                                 33,261
<SHORT-TERM>                                                    0
<LIABILITIES-OTHER>                                           267
<LONG-TERM>                                                 8,600
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                       58
<OTHER-SE>                                                  4,417
<TOTAL-LIABILITIES-AND-EQUITY>                             46,602
<INTEREST-LOAN>                                               816
<INTEREST-INVEST>                                             729
<INTEREST-OTHER>                                               80
<INTEREST-TOTAL>                                            1,625
<INTEREST-DEPOSIT>                                            725
<INTEREST-EXPENSE>                                            965
<INTEREST-INCOME-NET>                                         660
<LOAN-LOSSES>                                                  60
<SECURITIES-GAINS>                                              1
<EXPENSE-OTHER>                                               959
<INCOME-PRETAX>                                             (243)
<INCOME-PRE-EXTRAORDINARY>                                  (243)
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                (243)
<EPS-BASIC>                                               (.42)
<EPS-DILUTED>                                               (.42)
<YIELD-ACTUAL>                                               2.65
<LOANS-NON>                                                     0
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                               99
<CHARGE-OFFS>                                                   1
<RECOVERIES>                                                    0
<ALLOWANCE-CLOSE>                                             158
<ALLOWANCE-DOMESTIC>                                          158
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0



</TABLE>