<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>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                             769
<INT-BEARING-DEPOSITS>                             603
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,726
<INVESTMENTS-CARRYING>                           5,872
<INVESTMENTS-MARKET>                             5,872
<LOANS>                                         29,741
<ALLOWANCE>                                        168
<TOTAL-ASSETS>                                  49,896
<DEPOSITS>                                      30,686
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                                424
<LONG-TERM>                                      8,943
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            39
<OTHER-SE>                                       6,805
<TOTAL-LIABILITIES-AND-EQUITY>                  49,896
<INTEREST-LOAN>                                  1,664
<INTEREST-INVEST>                                  546
<INTEREST-OTHER>                                    95
<INTEREST-TOTAL>                                 2,305
<INTEREST-DEPOSIT>                                 986
<INTEREST-EXPENSE>                               1,391
<INTEREST-INCOME-NET>                              915
<LOAN-LOSSES>                                        2
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    916
<INCOME-PRETAX>                                    189
<INCOME-PRE-EXTRAORDINARY>                         189
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       128
<EPS-BASIC>                                      .37
<EPS-DILUTED>                                      .37
<YIELD-ACTUAL>                                    2.83
<LOANS-NON>                                        304
<LOANS-PAST>                                         7
<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