<ARTICLE>                                         9
<MULTIPLIER>                                  1,000

                                                      
<PERIOD-TYPE>                      9-MOS                    YEAR
<FISCAL-YEAR-END>                           DEC-31-1999              DEC-31-1998
<PERIOD-END>                                SEP-30-1999              DEC-31-1998
<CASH>                                               56                      113
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<FED-FUNDS-SOLD>                                      0                        0
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<ALLOWANCE>                                         175                       25
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<DEPOSITS>                                       35,221                   34,701
<SHORT-TERM>                                      1,000                    1,000
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<LONG-TERM>                                           0                        0
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<INTEREST-OTHER>                                    160                      261
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<INTEREST-DEPOSIT>                                1,418                    1,600
<INTEREST-EXPENSE>                                1,461                    1,653
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<LOANS-NON>                                           0                        0
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<LOANS-TROUBLED>                                      0                        0
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<ALLOWANCE-OPEN>                                     25                       25
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