<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-QSB and is
qualified in its entirety by reference to such financial information.
</LEGEND>

                             
<PERIOD-TYPE>                             9-MOS
<FISCAL-YEAR-END>                         DEC-31-1998
<PERIOD-START>                            JAN-01-1999
<PERIOD-END>                              SEP-30-1999
<CASH>                                            574
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                1,250
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    14,228
<INVESTMENTS-CARRYING>                         14,228
<INVESTMENTS-MARKET>                           14,141
<LOANS>                                         7,699
<ALLOWANCE>                                        97
<TOTAL-ASSETS>                                 24,300
<DEPOSITS>                                     16,276
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                               116
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        8,644
<OTHER-SE>                                       (736)
<TOTAL-LIABILITIES-AND-EQUITY>                 24,300
<INTEREST-LOAN>                                   187
<INTEREST-INVEST>                                 498
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                  685
<INTEREST-DEPOSIT>                                220
<INTEREST-EXPENSE>                                220
<INTEREST-INCOME-NET>                             465
<LOAN-LOSSES>                                      97
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   905
<INCOME-PRETAX>                                  (499)
<INCOME-PRE-EXTRAORDINARY>                       (499)
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                     (499)
<EPS-BASIC>                                   (0.53)
<EPS-DILUTED>                                   (0.53)
<YIELD-ACTUAL>                                   3.99
<LOANS-NON>                                         0
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                    0
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                  97
<ALLOWANCE-DOMESTIC>                               97
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0