<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF TARPON COAST NATIONAL BANK FOR THE THREE MONTHS ENDED
DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                       1,371,685
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,100,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,537,879
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     11,021,925
<ALLOWANCE>                                    229,000
<TOTAL-ASSETS>                              29,941,957
<DEPOSITS>                                  19,048,671
<SHORT-TERM>                                   939,311
<LIABILITIES-OTHER>                             35,153
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,821
<OTHER-SE>                                   9,907,001
<TOTAL-LIABILITIES-AND-EQUITY>              29,941,957
<INTEREST-LOAN>                                190,602
<INTEREST-INVEST>                              118,057
<INTEREST-OTHER>                                51,832
<INTEREST-TOTAL>                               360,491
<INTEREST-DEPOSIT>                             137,927
<INTEREST-EXPENSE>                             147,436
<INTEREST-INCOME-NET>                          213,055
<LOAN-LOSSES>                                   75,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                354,328
<INCOME-PRETAX>                               (203,801)
<INCOME-PRE-EXTRAORDINARY>                    (203,801)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (203,801)
<EPS-PRIMARY>                                    (0.17)
<EPS-DILUTED>                                    (0.17)
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0  
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0 
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>