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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 469
<INT-BEARING-DEPOSITS> 896
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 3,849
<INVESTMENTS-CARRYING> 899
<INVESTMENTS-MARKET> 835
<LOANS> 47,418
<ALLOWANCE> 372
<TOTAL-ASSETS> 53,978
<DEPOSITS> 41,913
<SHORT-TERM> 0
<LIABILITIES-OTHER> 917
<LONG-TERM> 0
0
0
<COMMON> 77
<OTHER-SE> 11,071
<TOTAL-LIABILITIES-AND-EQUITY> 53,978
<INTEREST-LOAN> 2,726
<INTEREST-INVEST> 231
<INTEREST-OTHER> 20
<INTEREST-TOTAL> 2,977
<INTEREST-DEPOSIT> 1,473
<INTEREST-EXPENSE> 19
<INTEREST-INCOME-NET> 1,485
<LOAN-LOSSES> 27
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,008
<INCOME-PRETAX> 599
<INCOME-PRE-EXTRAORDINARY> 599
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 378
<EPS-BASIC> .65
<EPS-DILUTED> .65
<YIELD-ACTUAL> 3.88
<LOANS-NON> 239
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 352
<CHARGE-OFFS> 7
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 372
<ALLOWANCE-DOMESTIC> 372
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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