<ARTICLE>                                                                     9
<MULTIPLIER>                                                              1,000

                                                                         
<PERIOD-TYPE>                                                             9-MOS
<FISCAL-YEAR-END>                                                   DEC-31-2000
<PERIOD-START>                                                      JAN-01-2000
<PERIOD-END>                                                        SEP-30-2000
<CASH>                                                                      746
<INT-BEARING-DEPOSITS>                                                    4,141
<FED-FUNDS-SOLD>                                                              0
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              15,174
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                          0
<LOANS>                                                                 100,848
<ALLOWANCE>                                                                 639
<TOTAL-ASSETS>                                                          128,494
<DEPOSITS>                                                               77,054
<SHORT-TERM>                                                                  0
<LIABILITIES-OTHER>                                                       1,941
<LONG-TERM>                                                              33,000
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                  5,515
<OTHER-SE>                                                               10,984
<TOTAL-LIABILITIES-AND-EQUITY>                                          128,494
<INTEREST-LOAN>                                                           5,894
<INTEREST-INVEST>                                                           804
<INTEREST-OTHER>                                                            307
<INTEREST-TOTAL>                                                          7,005
<INTEREST-DEPOSIT>                                                        2,903
<INTEREST-EXPENSE>                                                        4,041
<INTEREST-INCOME-NET>                                                     2,964
<LOAN-LOSSES>                                                               212
<SECURITIES-GAINS>                                                          (16)
<EXPENSE-OTHER>                                                           1,472
<INCOME-PRETAX>                                                           1,371
<INCOME-PRE-EXTRAORDINARY>                                                  960
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                                960
<EPS-BASIC>                                                                 .88
<EPS-DILUTED>                                                               .88
<YIELD-ACTUAL>                                                             3.34
<LOANS-NON>                                                                 176
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                            440
<CHARGE-OFFS>                                                                13
<RECOVERIES>                                                                  0
<ALLOWANCE-CLOSE>                                                           639
<ALLOWANCE-DOMESTIC>                                                          0
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                     639