<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF DECEMBER 31, 1999 AND THE STATEMENT OF INCOME
FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1999, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES
THERETO.
</LEGEND>

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           2,531
<INT-BEARING-DEPOSITS>                           1,386
<FED-FUNDS-SOLD>                                35,967
<TRADING-ASSETS>                                 2,700
<INVESTMENTS-HELD-FOR-SALE>                      2,669
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         45,093
<ALLOWANCE>                                        750
<TOTAL-ASSETS>                                  91,165
<DEPOSITS>                                      74,500
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                647
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        19,019
<OTHER-SE>                                     (3,001)
<TOTAL-LIABILITIES-AND-EQUITY>                  91,165
<INTEREST-LOAN>                                    760
<INTEREST-INVEST>                                1,275
<INTEREST-OTHER>                                    65
<INTEREST-TOTAL>                                 2,100
<INTEREST-DEPOSIT>                                 879
<INTEREST-EXPENSE>                                   1
<INTEREST-INCOME-NET>                            1,220
<LOAN-LOSSES>                                      750
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,351
<INCOME-PRETAX>                                (2,750)
<INCOME-PRE-EXTRAORDINARY>                     (2,750)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (2,750)
<EPS-BASIC>                                     (1.12)
<EPS-DILUTED>                                   (1.12)
<YIELD-ACTUAL>                                    7.75
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  750
<ALLOWANCE-DOMESTIC>                               750
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            520