<ARTICLE> 9

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          20,315
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
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<INVESTMENTS-MARKET>                            32,823
<LOANS>                                        437,077
<ALLOWANCE>                                      2,749
<TOTAL-ASSETS>                                 547,608
<DEPOSITS>                                     468,859
<SHORT-TERM>                                    17,873
<LIABILITIES-OTHER>                             24,914
<LONG-TERM>                                      1,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            67
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 547,608
<INTEREST-LOAN>                                 40,991
<INTEREST-INVEST>                                  959
<INTEREST-OTHER>                                 4,428
<INTEREST-TOTAL>                                46,378
<INTEREST-DEPOSIT>                              22,000
<INTEREST-EXPENSE>                               3,577
<INTEREST-INCOME-NET>                           20,801
<LOAN-LOSSES>                                    5,382
<SECURITIES-GAINS>                            (33,964)
<EXPENSE-OTHER>                                 27,485
<INCOME-PRETAX>                               (29,244)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (17,839)
<EPS-BASIC>                                     (2.71)
<EPS-DILUTED>                                   (2.71)
<YIELD-ACTUAL>                                    9.38
<LOANS-NON>                                      2,687
<LOANS-PAST>                                     5,281
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  4,018
<ALLOWANCE-OPEN>                                 2,777
<CHARGE-OFFS>                                    5,840
<RECOVERIES>                                       430
<ALLOWANCE-CLOSE>                                2,749
<ALLOWANCE-DOMESTIC>                             2,749
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0