<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets and consolidated statements of operations found on
pages 2 and 3 of the company's 10-Q for the year to date.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           3,053
<INT-BEARING-DEPOSITS>                           2,301
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           6,545
<INVESTMENTS-MARKET>                             6,501
<LOANS>                                        186,710
<ALLOWANCE>                                      1,334
<TOTAL-ASSETS>                                 207,186
<DEPOSITS>                                     150,187
<SHORT-TERM>                                    23,700
<LIABILITIES-OTHER>                              9,364
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            49
<OTHER-SE>                                      13,885
<TOTAL-LIABILITIES-AND-EQUITY>                 207,186
<INTEREST-LOAN>                                  9,715
<INTEREST-INVEST>                                  200
<INTEREST-OTHER>                                   210
<INTEREST-TOTAL>                                10,125
<INTEREST-DEPOSIT>                               5,100
<INTEREST-EXPENSE>                               1,303
<INTEREST-INCOME-NET>                            3,722
<LOAN-LOSSES>                                      210
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,447
<INCOME-PRETAX>                                    958
<INCOME-PRE-EXTRAORDINARY>                         958
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       716
<EPS-BASIC>                                       0.14
<EPS-DILUTED>                                     0.14
<YIELD-ACTUAL>                                    7.40
<LOANS-NON>                                      1,636
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,343
<ALLOWANCE-OPEN>                                 1,136
<CHARGE-OFFS>                                       25
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                1,334
<ALLOWANCE-DOMESTIC>                             1,334
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0