
<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
         THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
         REGISTRANT'S AUDITED DECEMBER 31, 1999 FINANCIAL STATEMENTS AND IS
         QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           5,115
<INT-BEARING-DEPOSITS>                              21
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,885
<INVESTMENTS-CARRYING>                          18,025
<INVESTMENTS-MARKET>                            17,721
<LOANS>                                        100,857
<ALLOWANCE>                                      1,017
<TOTAL-ASSETS>                                 139,962
<DEPOSITS>                                     110,273
<SHORT-TERM>                                     9,571
<LIABILITIES-OTHER>                                544
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,187
<OTHER-SE>                                     (3,613)
<TOTAL-LIABILITIES-AND-EQUITY>                 139,962
<INTEREST-LOAN>                                  6,479
<INTEREST-INVEST>                                  994
<INTEREST-OTHER>                                   457
<INTEREST-TOTAL>                                 7,930
<INTEREST-DEPOSIT>                               2,318
<INTEREST-EXPENSE>                               2,448
<INTEREST-INCOME-NET>                            5,482
<LOAN-LOSSES>                                      525
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,396
<INCOME-PRETAX>                                    636
<INCOME-PRE-EXTRAORDINARY>                         252
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       252
<EPS-BASIC>                                       0.09
<EPS-DILUTED>                                     0.09
<YIELD-ACTUAL>                                     5.6
<LOANS-NON>                                        154
<LOANS-PAST>                                        41
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   602
<CHARGE-OFFS>                                      178
<RECOVERIES>                                        68
<ALLOWANCE-CLOSE>                                1,017
<ALLOWANCE-DOMESTIC>                             1,017
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>
