<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 8,210 <INT-BEARING-DEPOSITS> 111 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 13,507 <INVESTMENTS-MARKET> 13,491 <LOANS> 177,118 <ALLOWANCE> (2,730) <TOTAL-ASSETS> 300,469 <DEPOSITS> 235,148 <SHORT-TERM> 25,079 <LIABILITIES-OTHER> 2,291 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,038 <OTHER-SE> 18,913 <TOTAL-LIABILITIES-AND-EQUITY> 300,469 <INTEREST-LOAN> 3,991 <INTEREST-INVEST> 607 <INTEREST-OTHER> 1,431 <INTEREST-TOTAL> 6,029 <INTEREST-DEPOSIT> 2,359 <INTEREST-EXPENSE> 2,766 <INTEREST-INCOME-NET> 3,263 <LOAN-LOSSES> 1,465 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,713 <INCOME-PRETAX> (465) <INCOME-PRE-EXTRAORDINARY> (319) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (319) <EPS-BASIC> (0.09) <EPS-DILUTED> (0.09) <YIELD-ACTUAL> 8.58 <LOANS-NON> 1,384 <LOANS-PAST> 766 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> (2,037) <CHARGE-OFFS> 782 <RECOVERIES> (10) <ALLOWANCE-CLOSE> (2,730) <ALLOWANCE-DOMESTIC> (2,730) <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> (2,730)