<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-30-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           5,919
<INT-BEARING-DEPOSITS>                             926
<FED-FUNDS-SOLD>                                17,181
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     93,965
<INVESTMENTS-CARRYING>                           6,283
<INVESTMENTS-MARKET>                             5,987
<LOANS>                                        226,571
<ALLOWANCE>                                      2,905
<TOTAL-ASSETS>                                 359,485
<DEPOSITS>                                     291,129
<SHORT-TERM>                                    36,670
<LIABILITIES-OTHER>                              5,598
<LONG-TERM>                                      1,500
                                0
                                          0
<COMMON>                                         1,025
<OTHER-SE>                                      13,563
<TOTAL-LIABILITIES-AND-EQUITY>                 349,485
<INTEREST-LOAN>                                 13,853
<INTEREST-INVEST>                                5,441
<INTEREST-OTHER>                                   318
<INTEREST-TOTAL>                                19,612
<INTEREST-DEPOSIT>                               9,037
<INTEREST-EXPENSE>                              11,084
<INTEREST-INCOME-NET>                            8,528
<LOAN-LOSSES>                                      400
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,269
<INCOME-PRETAX>                                  2,082
<INCOME-PRE-EXTRAORDINARY>                       2,082
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,576
<EPS-BASIC>                                       0.51
<EPS-DILUTED>                                     0.46
<YIELD-ACTUAL>                                    7.71
<LOANS-NON>                                        421
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,511
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,905
<ALLOWANCE-DOMESTIC>                             2,383
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            522


</TABLE>



© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission