<TABLE> <S> <C>

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

<S>                                     <C>
<PERIOD-TYPE>                           12-MOS
<FISCAL-YEAR-END>                       DEC-31-1999
<PERIOD-END>                            DEC-31-1999
<CASH>                                          4,180,088
<INT-BEARING-DEPOSITS>                          1,277,650
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                1,909,333
<INVESTMENTS-HELD-FOR-SALE>                     7,220,142
<INVESTMENTS-CARRYING>                                  0
<INVESTMENTS-MARKET>                                    0
<LOANS>                                       105,909,909
<ALLOWANCE>                                       590,701
<TOTAL-ASSETS>                                127,785,870
<DEPOSITS>                                     88,944,925
<SHORT-TERM>                                   12,000,000
<LIABILITIES-OTHER>                             1,292,763
<LONG-TERM>                                    14,008,913
<PREFERRED-MANDATORY>                              11,241
<PREFERRED>                                             0
<COMMON>                                                0
<OTHER-SE>                                     11,528,028
<TOTAL-LIABILITIES-AND-EQUITY>                127,785,870
<INTEREST-LOAN>                                 7,419,764
<INTEREST-INVEST>                                 832,238
<INTEREST-OTHER>                                        0
<INTEREST-TOTAL>                                8,252,002
<INTEREST-DEPOSIT>                              3,574,843
<INTEREST-EXPENSE>                              4,904,078
<INTEREST-INCOME-NET>                           3,347,924
<LOAN-LOSSES>                                     119,024
<SECURITIES-GAINS>                                 (8,165)
<EXPENSE-OTHER>                                 2,815,798
<INCOME-PRETAX>                                 1,024,735
<INCOME-PRE-EXTRAORDINARY>                      1,024,735
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      696,841
<EPS-BASIC>                                          0.97
<EPS-DILUTED>                                        0.96
<YIELD-ACTUAL>                                       2.98
<LOANS-NON>                                       929,000
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  506,534
<CHARGE-OFFS>                                      39,845
<RECOVERIES>                                        4,988
<ALLOWANCE-CLOSE>                                 590,701
<ALLOWANCE-DOMESTIC>                              590,701
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0


</TABLE>