<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM  10-QSB FOR  GUARANTY  FINANCIAL  CORPORATION  FOR THE
PERIOD ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                               7,482
<INT-BEARING-DEPOSITS>                               6,467
<FED-FUNDS-SOLD>                                       493
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         24,927
<INVESTMENTS-CARRYING>                               1,411
<INVESTMENTS-MARKET>                                 1,447
<LOANS>                                            190,567
<ALLOWANCE>                                          1,274
<TOTAL-ASSETS>                                     245,828
<DEPOSITS>                                         196,819
<SHORT-TERM>                                        23,000
<LIABILITIES-OTHER>                                  2,493
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             1,877
<OTHER-SE>                                           8,706
<TOTAL-LIABILITIES-AND-EQUITY>                     245,828
<INTEREST-LOAN>                                     10,858
<INTEREST-INVEST>                                    1,892
<INTEREST-OTHER>                                       101
<INTEREST-TOTAL>                                    12,851
<INTEREST-DEPOSIT>                                   6,180
<INTEREST-EXPENSE>                                   7,896
<INTEREST-INCOME-NET>                                4,955
<LOAN-LOSSES>                                          381
<SECURITIES-GAINS>                                  (1,520)
<EXPENSE-OTHER>                                      5,319
<INCOME-PRETAX>                                       (546)
<INCOME-PRE-EXTRAORDINARY>                            (546)
<EXTRAORDINARY>                                        186
<CHANGES>                                                0
<NET-INCOME>                                          (360)
<EPS-BASIC>                                         0.24
<EPS-DILUTED>                                         0.24
<YIELD-ACTUAL>                                        8.05
<LOANS-NON>                                          1,375
<LOANS-PAST>                                            88
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,002
<CHARGE-OFFS>                                          115
<RECOVERIES>                                             6
<ALLOWANCE-CLOSE>                                    1,274
<ALLOWANCE-DOMESTIC>                                 1,274
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>