<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           3,700
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<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                      1,525
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<DEPOSITS>                                     111,186
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                              1,849
<LONG-TERM>                                     18,000
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<COMMON>                                           319
<OTHER-SE>                                           0
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<INTEREST-LOAN>                                  5,555
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<INTEREST-DEPOSIT>                               2,067
<INTEREST-EXPENSE>                               2,896
<INTEREST-INCOME-NET>                            4,808
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   0
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<INCOME-PRETAX>                                  2,226
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<EPS-BASIC>                                        .07
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<RECOVERIES>                                         0
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<ALLOWANCE-DOMESTIC>                             1,525
<ALLOWANCE-FOREIGN>                                  0
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