<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

<S>                             <C>
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<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
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<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        601
<INVESTMENTS-CARRYING>                          20,375
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         84,038
<ALLOWANCE>                                        968
<TOTAL-ASSETS>                                 116,409
<DEPOSITS>                                     106,018
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                859
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                           810
<OTHER-SE>                                       8,248
<TOTAL-LIABILITIES-AND-EQUITY>                 116,409
<INTEREST-LOAN>                                  5,118
<INTEREST-INVEST>                                1,141
<INTEREST-OTHER>                                     0
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<INTEREST-DEPOSIT>                               3,417
<INTEREST-EXPENSE>                               3,579
<INTEREST-INCOME-NET>                            2,680
<LOAN-LOSSES>                                      146
<SECURITIES-GAINS>                               4,165
<EXPENSE-OTHER>                                  2,168
<INCOME-PRETAX>                                    913
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       642
<EPS-BASIC>                                        .79
<EPS-DILUTED>                                      .74
<YIELD-ACTUAL>                                    8.45
<LOANS-NON>                                        272
<LOANS-PAST>                                         7
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<CHARGE-OFFS>                                       45
<RECOVERIES>                                         3
<ALLOWANCE-CLOSE>                                  968
<ALLOWANCE-DOMESTIC>                               968
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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