<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>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                             536
<INT-BEARING-DEPOSITS>                           3,271
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,941
<INVESTMENTS-CARRYING>                          21,403
<INVESTMENTS-MARKET>                            21,055
<LOANS>                                         14,203
<ALLOWANCE>                                        134
<TOTAL-ASSETS>                                  48,365
<DEPOSITS>                                      38,524
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                542
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        73,000
<OTHER-SE>                                       9,227
<TOTAL-LIABILITIES-AND-EQUITY>                  48,365
<INTEREST-LOAN>                                    563
<INTEREST-INVEST>                                  654
<INTEREST-OTHER>                                   252
<INTEREST-TOTAL>                                 1,468
<INTEREST-DEPOSIT>                                 749
<INTEREST-EXPENSE>                                 749
<INTEREST-INCOME-NET>                              719
<LOAN-LOSSES>                                        6
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                    786
<INCOME-PRETAX>                                     18
<INCOME-PRE-EXTRAORDINARY>                          18
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        18
<EPS-BASIC>                                      .03
<EPS-DILUTED>                                      .03
<YIELD-ACTUAL>                                    3.21
<LOANS-NON>                                        120
<LOANS-PAST>                                        19
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   128
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  134
<ALLOWANCE-DOMESTIC>                               134
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>