<ARTICLE> 9
<MULTIPLIER>  1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                            710
<INT-BEARING-DEPOSITS>                            164
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                       743
<INVESTMENTS-CARRYING>                          2,125
<INVESTMENTS-MARKET>                            2,115
<LOANS>                                        23,030
<ALLOWANCE>                                       174
<TOTAL-ASSETS>                                 27,365
<DEPOSITS>                                     22,682
<SHORT-TERM>                                    1,800
<LIABILITIES-OTHER>                               142
<LONG-TERM>                                         0
<COMMON>                                            1
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<OTHER-SE>                                      2,740
<TOTAL-LIABILITIES-AND-EQUITY>                 27,365
<INTEREST-LOAN>                                 1,249
<INTEREST-INVEST>                                  77
<INTEREST-OTHER>                                   70
<INTEREST-TOTAL>                                1,396
<INTEREST-DEPOSIT>                                764
<INTEREST-EXPENSE>                                774
<INTEREST-INCOME-NET>                             622
<LOAN-LOSSES>                                      18
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   448
<INCOME-PRETAX>                                   201
<INCOME-PRE-EXTRAORDINARY>                        130
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      130
<EPS-BASIC>                                     .96
<EPS-DILUTED>                                     .96
<YIELD-ACTUAL>                                   3.12
<LOANS-NON>                                        30
<LOANS-PAST>                                       31
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                    30
<ALLOWANCE-OPEN>                                  169
<CHARGE-OFFS>                                      15
<RECOVERIES>                                        2
<ALLOWANCE-CLOSE>                                 174
<ALLOWANCE-DOMESTIC>                                0
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           174