<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended September 30, 2000 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,142
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,901
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 5,201
<INVESTMENTS-CARRYING> 13,000
<INVESTMENTS-MARKET> 12,667
<LOANS> 123,304
<ALLOWANCE> 1,266
<TOTAL-ASSETS> 154,418
<DEPOSITS> 123,742
<SHORT-TERM> 11,000
<LIABILITIES-OTHER> 1,997
<LONG-TERM> 0
0
0
<COMMON> 34
<OTHER-SE> 17,645
<TOTAL-LIABILITIES-AND-EQUITY> 154,418
<INTEREST-LOAN> 6,590
<INTEREST-INVEST> 807
<INTEREST-OTHER> 181
<INTEREST-TOTAL> 7,578
<INTEREST-DEPOSIT> 3,245
<INTEREST-EXPENSE> 3,390
<INTEREST-INCOME-NET> 4,188
<LOAN-LOSSES> 465
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,857
<INCOME-PRETAX> 1,086
<INCOME-PRE-EXTRAORDINARY> 675
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 675
<EPS-BASIC> .19
<EPS-DILUTED> .19
<YIELD-ACTUAL> 4.54
<LOANS-NON> 207
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 886
<CHARGE-OFFS> 85
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,266
<ALLOWANCE-DOMESTIC> 1,266
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>