<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       2,467,689
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,600,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,545,890
<INVESTMENTS-CARRYING>                       4,767,426
<INVESTMENTS-MARKET>                         4,696,887
<LOANS>                                     63,157,519
<ALLOWANCE>                                  (290,000)
<TOTAL-ASSETS>                              78,624,075
<DEPOSITS>                                  60,377,674
<SHORT-TERM>                                 1,000,000
<LIABILITIES-OTHER>                          2,637,072
<LONG-TERM>                                  8,089,780
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,922
<OTHER-SE>                                   6,511,627
<TOTAL-LIABILITIES-AND-EQUITY>              78,624,075
<INTEREST-LOAN>                              3,537,241
<INTEREST-INVEST>                              532,475
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             4,069,716
<INTEREST-DEPOSIT>                           1,843,942
<INTEREST-EXPENSE>                             407,656
<INTEREST-INCOME-NET>                        1,818,118
<LOAN-LOSSES>                                   63,276
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,771,054
<INCOME-PRETAX>                                260,525
<INCOME-PRE-EXTRAORDINARY>                     260,525
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   162,775
<EPS-BASIC>                                       0.22
<EPS-DILUTED>                                     0.21
<YIELD-ACTUAL>                                    3.21
<LOANS-NON>                                    423,005
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               267,000
<CHARGE-OFFS>                                   40,276
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              290,000
<ALLOWANCE-DOMESTIC>                           290,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0