<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-QSB and is
qualified in its entirety by reference to such financial information.

<MULTIPLIER>                 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                          1,278
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                1,500
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     8,664
<INVESTMENTS-CARRYING>                          8,659
<INVESTMENTS-MARKET>                           26,927
<LOANS>                                        21,450
<ALLOWANCE>                                       234
<TOTAL-ASSETS>                                 51,688
<DEPOSITS>                                     43,387
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                               264
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        8,612
<OTHER-SE>                                       (575)
<TOTAL-LIABILITIES-AND-EQUITY>                 51,688
<INTEREST-LOAN>                                 1,066
<INTEREST-INVEST>                               1,127
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                2,193
<INTEREST-DEPOSIT>                              1,066
<INTEREST-EXPENSE>                              1,066
<INTEREST-INCOME-NET>                           1,127
<LOAN-LOSSES>                                      98
<SECURITIES-GAINS>                                (10)
<EXPENSE-OTHER>                                 1,012
<INCOME-PRETAX>                                   183
<INCOME-PRE-EXTRAORDINARY>                        183
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      183
<EPS-BASIC>                                       .20
<EPS-DILUTED>                                     .20
<YIELD-ACTUAL>                                   3.15
<LOANS-NON>                                         0
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                    0
<CHARGE-OFFS>                                      10
<RECOVERIES>                                        6
<ALLOWANCE-CLOSE>                                 234
<ALLOWANCE-DOMESTIC>                              234
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0