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<TABLE> <S> <C>
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<S> <C>
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<PERIOD-START> APR-01-2000
<PERIOD-END> SEP-30-2000
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<ALLOWANCE> 361
<TOTAL-ASSETS> 298,368
<DEPOSITS> 183,636
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<LONG-TERM> 90,509
0
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<COMMON> 25
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<INTEREST-OTHER> 248
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<INCOME-PRETAX> (537)
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<NET-INCOME> (334)
<EPS-BASIC> (.15)
<EPS-DILUTED> (.15)
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</TABLE>
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