<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