<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                            
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                            DEC-31-1999
<PERIOD-END>                                 JUN-30-1999
<CASH>                                               318
<INT-BEARING-DEPOSITS>                             5,464
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                        7,311
<INVESTMENTS-CARRYING>                             6,387
<INVESTMENTS-MARKET>                               6,387
<LOANS>                                           25,735
<ALLOWANCE>                                          168
<TOTAL-ASSETS>                                    47,680
<DEPOSITS>                                        33,565
<SHORT-TERM>                                       3,000
<LIABILITIES-OTHER>                               33,941
<LONG-TERM>                                        7,049
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                               0
<OTHER-SE>                                         5,689
<TOTAL-LIABILITIES-AND-EQUITY>                    47,680
<INTEREST-LOAN>                                    1,109
<INTEREST-INVEST>                                    318
<INTEREST-OTHER>                                      67
<INTEREST-TOTAL>                                   1,493
<INTEREST-DEPOSIT>                                   655
<INTEREST-EXPENSE>                                   910
<INTEREST-INCOME-NET>                                583
<LOAN-LOSSES>                                          2
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                      596
<INCOME-PRETAX>                                       98
<INCOME-PRE-EXTRAORDINARY>                            98
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                          66
<EPS-BASIC>                                          0
<EPS-DILUTED>                                          0
<YIELD-ACTUAL>                                      2.78
<LOANS-NON>                                          261
<LOANS-PAST>                                          37
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     166
<CHARGE-OFFS>                                          0
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                    168
<ALLOWANCE-DOMESTIC>                                 168
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0