<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 9,397 <INT-BEARING-DEPOSITS> 366 <FED-FUNDS-SOLD> 7,158 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19,127 <INVESTMENTS-CARRYING> 32,305 <INVESTMENTS-MARKET> 31,471 <LOANS> 61,011 <ALLOWANCE> (1,567) <TOTAL-ASSETS> 137,249 <DEPOSITS> 124,766 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,456 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 1 <COMMON> 10 <OTHER-SE> 9,016 <TOTAL-LIABILITIES-AND-EQUITY> 137,249 <INTEREST-LOAN> 5,590 <INTEREST-INVEST> 1,813 <INTEREST-OTHER> 705 <INTEREST-TOTAL> 8,108 <INTEREST-DEPOSIT> 2,704 <INTEREST-EXPENSE> 140 <INTEREST-INCOME-NET> 5,264 <LOAN-LOSSES> 1,007 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,714 <INCOME-PRETAX> (1,230) <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (1,230) <EPS-BASIC> (1.24) <EPS-DILUTED> (1.24) <YIELD-ACTUAL> 7.16 <LOANS-NON> 2,026 <LOANS-PAST> 4,204 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 679 <CHARGE-OFFS> 1,007 <RECOVERIES> 266 <ALLOWANCE-CLOSE> 1,567 <ALLOWANCE-DOMESTIC> 1,567 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0