<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from consolidated
balance sheet and statement of operations and is qualified in its entirety by
reference to such financial statements.
</LEGEND>

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          16,594
<INT-BEARING-DEPOSITS>                           5,149
<FED-FUNDS-SOLD>                                 2,835
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    131,647
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        584,110
<ALLOWANCE>                                      7,081
<TOTAL-ASSETS>                                 762,741
<DEPOSITS>                                     618,288
<SHORT-TERM>                                    58,922
<LIABILITIES-OTHER>                              6,401
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      77,221
<TOTAL-LIABILITIES-AND-EQUITY>                 762,741
<INTEREST-LOAN>                                 40,366
<INTEREST-INVEST>                                8,462
<INTEREST-OTHER>                                11,433
<INTEREST-TOTAL>                                49,971
<INTEREST-DEPOSIT>                              23,420
<INTEREST-EXPENSE>                              25,706
<INTEREST-INCOME-NET>                           24,265
<LOAN-LOSSES>                                   23,525
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 19,620
<INCOME-PRETAX>                                  6,964
<INCOME-PRE-EXTRAORDINARY>                       4,774
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,774
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    2.63
<LOANS-NON>                                         96
<LOANS-PAST>                                       128
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,633
<CHARGE-OFFS>                                      407
<RECOVERIES>                                       115
<ALLOWANCE-CLOSE>                                7,081
<ALLOWANCE-DOMESTIC>                             7,081
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,368