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<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> 557
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 2,178
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 9,890
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 19,064
<ALLOWANCE> 287
<TOTAL-ASSETS> 33,223
<DEPOSITS> 29,287
<SHORT-TERM> 0
<LIABILITIES-OTHER> 383
<LONG-TERM> 0
0
0
<COMMON> 5
<OTHER-SE> 3,548
<TOTAL-LIABILITIES-AND-EQUITY> 33,223
<INTEREST-LOAN> 1,167
<INTEREST-INVEST> 582
<INTEREST-OTHER> 54
<INTEREST-TOTAL> 1,803
<INTEREST-DEPOSIT> 1,024
<INTEREST-EXPENSE> 1,055
<INTEREST-INCOME-NET> 748
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 792
<INCOME-PRETAX> 20
<INCOME-PRE-EXTRAORDINARY> 9
<EXTRAORDINARY> 37
<CHANGES> 0
<NET-INCOME> 46
<EPS-BASIC> .09
<EPS-DILUTED> .09
<YIELD-ACTUAL> 3.00
<LOANS-NON> 15
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 290
<CHARGE-OFFS> 3
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 287
<ALLOWANCE-DOMESTIC> 287
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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