<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF NEW COMMERCE BANCORP FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         519,604
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             5,398,120
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  3,198,390
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     12,034,219
<ALLOWANCE>                                    106,190
<TOTAL-ASSETS>                              23,522,366
<DEPOSITS>                                  14,232,095
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            115,368
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,000
<OTHER-SE>                                   9,164,903
<TOTAL-LIABILITIES-AND-EQUITY>              23,522,366
<INTEREST-LOAN>                                216,193
<INTEREST-INVEST>                               76,679
<INTEREST-OTHER>                                73,228
<INTEREST-TOTAL>                               366,100
<INTEREST-DEPOSIT>                              91,718
<INTEREST-EXPENSE>                              91,718
<INTEREST-INCOME-NET>                          274,382
<LOAN-LOSSES>                                  106,190
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,013,205
<INCOME-PRETAX>                               (787,541)
<INCOME-PRE-EXTRAORDINARY>                    (787,541)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (542,255)
<EPS-BASIC>                                       (.54)
<EPS-DILUTED>                                     (.54)
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              106,190
<ALLOWANCE-DOMESTIC>                           106,190
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0