<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     FORM SB-2 AND IS QUALIFIED  IN ITS ENTIRETY BY REFERENCE TO SUCH  FINANCIAL
     INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                                          
<PERIOD-TYPE>                                  12-MOS            9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998       DEC-31-1999
<PERIOD-END>                                   DEC-31-1998       SEP-30-1999
<CASH>                                             307               340
<INT-BEARING-DEPOSITS>                           5,622             3,279
<FED-FUNDS-SOLD>                                     0                 0
<TRADING-ASSETS>                                     0                 0
<INVESTMENTS-HELD-FOR-SALE>                     13,151            16,144
<INVESTMENTS-CARRYING>                               0             1,711
<INVESTMENTS-MARKET>                                 0             1,652
<LOANS>                                          4,523            23,906
<ALLOWANCE>                                         99               158
<TOTAL-ASSETS>                                  24,791            46,602
<DEPOSITS>                                      13,992            33,261
<SHORT-TERM>                                         0                 0
<LIABILITIES-OTHER>                                645               267
<LONG-TERM>                                      5,000             8,600
<PREFERRED-MANDATORY>                                0                 0
<PREFERRED>                                          0                 0
<COMMON>                                            58                58
<OTHER-SE>                                       5,096             4,417
<TOTAL-LIABILITIES-AND-EQUITY>                  24,791            46,602
<INTEREST-LOAN>                                     25               816
<INTEREST-INVEST>                                   61               729
<INTEREST-OTHER>                                   101                80
<INTEREST-TOTAL>                                   187             1,625
<INTEREST-DEPOSIT>                                  89               725
<INTEREST-EXPENSE>                                  95               965
<INTEREST-INCOME-NET>                               92               660
<LOAN-LOSSES>                                      100                60
<SECURITIES-GAINS>                                   0                 1
<EXPENSE-OTHER>                                    505               959
<INCOME-PRETAX>                                   (500)             (243)
<INCOME-PRE-EXTRAORDINARY>                        (500)             (243)
<EXTRAORDINARY>                                      0                 0
<CHANGES>                                            0                 0
<NET-INCOME>                                      (500)             (243)
<EPS-BASIC>                                    (3.62)             (.42)
<EPS-DILUTED>                                        0              (.42)
<YIELD-ACTUAL>                                    2.49              2.65
<LOANS-NON>                                          0                 0
<LOANS-PAST>                                         0                 0
<LOANS-TROUBLED>                                     0                 0
<LOANS-PROBLEM>                                      0                 0
<ALLOWANCE-OPEN>                                     0                99
<CHARGE-OFFS>                                        1                 1
<RECOVERIES>                                         0                 0
<ALLOWANCE-CLOSE>                                   99               158
<ALLOWANCE-DOMESTIC>                                99               158
<ALLOWANCE-FOREIGN>                                  0                 0
<ALLOWANCE-UNALLOCATED>                              0                 0