<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended March 31, 1999 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                             520
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,496
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,714
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         13,363
<ALLOWANCE>                                        556
<TOTAL-ASSETS>                                  20,141
<DEPOSITS>                                      15,586
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                251
<LONG-TERM>                                      1,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             5
<OTHER-SE>                                       3,300
<TOTAL-LIABILITIES-AND-EQUITY>                  20,141
<INTEREST-LOAN>                                    503
<INTEREST-INVEST>                                   68
<INTEREST-OTHER>                                    73
<INTEREST-TOTAL>                                   644
<INTEREST-DEPOSIT>                                 350
<INTEREST-EXPENSE>                                 388
<INTEREST-INCOME-NET>                              256
<LOAN-LOSSES>                                    (131)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    591<F1>
<INCOME-PRETAX>                                   (71)
<INCOME-PRE-EXTRAORDINARY>                        (71)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (44)
<EPS-BASIC>                                      (.09)
<EPS-DILUTED>                                    (.09)
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0<F2>
<LOANS-PAST>                                         0<F2>
<LOANS-TROUBLED>                                     0<F2>
<LOANS-PROBLEM>                                      0<F2>
<ALLOWANCE-OPEN>                                   760
<CHARGE-OFFS>                                       73
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  556
<ALLOWANCE-DOMESTIC>                               556
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $310, occupancy
expense of $113, professional fees of $54 and other expenses which totaled
$114.
<F2>Items are only disclosed on an annual basis in the Company's Form 10-KSB, and
are, therefore, not included in this Financial Data Schedule.
</FN>


</TABLE>