<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           7,883
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                44,090
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     53,810
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        346,131
<ALLOWANCE>                                      3,326
<TOTAL-ASSETS>                                 471,072
<DEPOSITS>                                     408,927
<SHORT-TERM>                                    30,333
<LIABILITIES-OTHER>                              7,591
<LONG-TERM>                                      1,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            67
<OTHER-SE>                                          69
<TOTAL-LIABILITIES-AND-EQUITY>                 471,072
<INTEREST-LOAN>                                 31,858
<INTEREST-INVEST>                                2,399
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                34,257
<INTEREST-DEPOSIT>                              19,806
<INTEREST-EXPENSE>                              22,128
<INTEREST-INCOME-NET>                           11,413
<LOAN-LOSSES>                                      716
<SECURITIES-GAINS>                             (1,025)
<EXPENSE-OTHER>                                  3,855
<INCOME-PRETAX>                               (10,237)
<INCOME-PRE-EXTRAORDINARY>                    (10,237)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (11,860)
<EPS-BASIC>                                     (1.78)
<EPS-DILUTED>                                   (1.78)
<YIELD-ACTUAL>                                    4.76
<LOANS-NON>                                     10,712
<LOANS-PAST>                                        29
<LOANS-TROUBLED>                                    34
<LOANS-PROBLEM>                                  1,319
<ALLOWANCE-OPEN>                                 2,749
<CHARGE-OFFS>                                      151
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                3,326
<ALLOWANCE-DOMESTIC>                             3,326
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0