<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                             578
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<FED-FUNDS-SOLD>                                     0
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<LOANS>                                         63,241
<ALLOWANCE>                                        152
<TOTAL-ASSETS>                                  70,319
<DEPOSITS>                                      52,883
<SHORT-TERM>                                     3,500
<LIABILITIES-OTHER>                                814
<LONG-TERM>                                         97
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<COMMON>                                            10
<OTHER-SE>                                      13,015
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<INTEREST-LOAN>                                  3,314
<INTEREST-INVEST>                                   96
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<INTEREST-TOTAL>                                 3,483
<INTEREST-DEPOSIT>                               1,863
<INTEREST-EXPENSE>                               1,906
<INTEREST-INCOME-NET>                            1,577
<LOAN-LOSSES>                                       27
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    783
<INCOME-PRETAX>                                    833
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<EPS-BASIC>                                       0.72
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<YIELD-ACTUAL>                                     3.1
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<CHARGE-OFFS>                                       23
<RECOVERIES>                                         0
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