<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                             736
<INT-BEARING-DEPOSITS>                             135
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                           5,500
<INVESTMENTS-MARKET>                               726
<LOANS>                                         88,889
<ALLOWANCE>                                        544
<TOTAL-ASSETS>                                  99,678
<DEPOSITS>                                      67,324
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,202
<LONG-TERM>                                     17,186
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            16
<OTHER-SE>                                      13,950
<TOTAL-LIABILITIES-AND-EQUITY>                  99,678
<INTEREST-LOAN>                                  1,873
<INTEREST-INVEST>                                   84
<INTEREST-OTHER>                                    19
<INTEREST-TOTAL>                                 1,976
<INTEREST-DEPOSIT>                                 849
<INTEREST-EXPENSE>                               1,053
<INTEREST-INCOME-NET>                              923
<LOAN-LOSSES>                                       12
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    604
<INCOME-PRETAX>                                    368
<INCOME-PRE-EXTRAORDINARY>                         136
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       232
<EPS-BASIC>                                       0.16
<EPS-DILUTED>                                     0.16
<YIELD-ACTUAL>                                    3.83
<LOANS-NON>                                      2,828
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   614
<CHARGE-OFFS>                                       82
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  544
<ALLOWANCE-DOMESTIC>                               544
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0