<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FORM  THE
CONSOLIDATED   CONDENSED  BALANCE  SHEET  AT  SEPTEMBER  30,  1999  (UNAUDITED),
CONSOLIDATED  CONDENSED  STATEMENT OF INCOME FOR THE NINE MONTHS ENDED SEPTEMBER
30,  1999  (UNAUDITED)  AND THE NOTED TO THE  CONSOLIDATED  CONDENSED  FINANCIAL
STATEMENTS  AND IS QUALIFIED  IN ITS  ENTIRETY BY  REFERENCE  TO SUCH  FINANCIAL
STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           5,614
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                14,625
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          11,826
<INVESTMENTS-MARKET>                            11,714
<LOANS>                                         71,709
<ALLOWANCE>                                      1,179
<TOTAL-ASSETS>                                 107,751
<DEPOSITS>                                      88,334
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,324
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,159
<OTHER-SE>                                     (2,066)
<TOTAL-LIABILITIES-AND-EQUITY>                 107,751
<INTEREST-LOAN>                                  3,617
<INTEREST-INVEST>                                  479
<INTEREST-OTHER>                                   516
<INTEREST-TOTAL>                                 4,612
<INTEREST-DEPOSIT>                               1,627
<INTEREST-EXPENSE>                               1,628
<INTEREST-INCOME-NET>                            2,984
<LOAN-LOSSES>                                      267
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,760
<INCOME-PRETAX>                                    364
<INCOME-PRE-EXTRAORDINARY>                         364
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       364
<EPS-BASIC>                                       0.20
<EPS-DILUTED>                                     0.20
<YIELD-ACTUAL>                                   0.726
<LOANS-NON>                                          0
<LOANS-PAST>                                       247
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   914
<CHARGE-OFFS>                                        2
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,179
<ALLOWANCE-DOMESTIC>                             1,140
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             39


</TABLE>