<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         881,498
<INT-BEARING-DEPOSITS>                       1,906,827
<FED-FUNDS-SOLD>                               850,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  9,627,456
<INVESTMENTS-CARRYING>                               0
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<LOANS>                                     30,728,457
<ALLOWANCE>                                    376,268
<TOTAL-ASSETS>                              45,936,707
<DEPOSITS>                                  37,500,707
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            217,213
<LONG-TERM>                                  1,900,000
<PREFERRED-MANDATORY>                                0
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<COMMON>                                       735,868
<OTHER-SE>                                   5,579,919
<TOTAL-LIABILITIES-AND-EQUITY>              45,936,707
<INTEREST-LOAN>                              1,730,038
<INTEREST-INVEST>                              468,938
<INTEREST-OTHER>                                36,692
<INTEREST-TOTAL>                             2,235,668
<INTEREST-DEPOSIT>                           1,028,616
<INTEREST-EXPENSE>                           1,033,094
<INTEREST-INCOME-NET>                        1,202,574
<LOAN-LOSSES>                                  119,168
<SECURITIES-GAINS>                             (29,573)
<EXPENSE-OTHER>                              1,138,885
<INCOME-PRETAX>                                 46,733
<INCOME-PRE-EXTRAORDINARY>                      46,733
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    39,560
<EPS-BASIC>                                        .05
<EPS-DILUTED>                                      .05
<YIELD-ACTUAL>                                    4.44
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               263,215
<CHARGE-OFFS>                                    6,115
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              376,268
<ALLOWANCE-DOMESTIC>                           376,268
<ALLOWANCE-FOREIGN>                                  0
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