<TABLE> <S> <C>




<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT OF CONDITION AT DECEMBER 31, 1999 AND THE CONSOLIDATED
STATEMENT OF OPERATIONS FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           1,712
<INT-BEARING-DEPOSITS>                           1,260
<FED-FUNDS-SOLD>                                 2,439
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,578
<INVESTMENTS-CARRYING>                          33,714
<INVESTMENTS-MARKET>                            31,578
<LOANS>                                         88,989
<ALLOWANCE>                                        231
<TOTAL-ASSETS>                                 130,689
<DEPOSITS>                                      76,506
<SHORT-TERM>                                     8,000
<LIABILITIES-OTHER>                              1,830
<LONG-TERM>                                     33,100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            19
<OTHER-SE>                                      11,234
<TOTAL-LIABILITIES-AND-EQUITY>                 130,689
<INTEREST-LOAN>                                  6,365
<INTEREST-INVEST>                                2,338
<INTEREST-OTHER>                                   134
<INTEREST-TOTAL>                                 8,837
<INTEREST-DEPOSIT>                               3,211
<INTEREST-EXPENSE>                               2,065
<INTEREST-INCOME-NET>                            3,561
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  75
<EXPENSE-OTHER>                                  2,954
<INCOME-PRETAX>                                    898
<INCOME-PRE-EXTRAORDINARY>                         898
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       536
<EPS-BASIC>                                        .45
<EPS-DILUTED>                                      .44
<YIELD-ACTUAL>                                    4.36
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   231
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  231
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            231




</TABLE>