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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE UNAUDITED
FINANCIAL STATEMENTS DATED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 879,190
<INT-BEARING-DEPOSITS> 647,507
<FED-FUNDS-SOLD> 10,006,120
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 24,577,243
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 25,667,296
<ALLOWANCE> 133,000
<TOTAL-ASSETS> 67,225,390
<DEPOSITS> 52,653,166
<SHORT-TERM> 1,205,796
<LIABILITIES-OTHER> 1,272,898
<LONG-TERM> 0
0
0
<COMMON> 11,500
<OTHER-SE> 8,082,030
<TOTAL-LIABILITIES-AND-EQUITY> 67,225,390
<INTEREST-LOAN> 849,934
<INTEREST-INVEST> 1,344,330
<INTEREST-OTHER> 336,416
<INTEREST-TOTAL> 2,530,680
<INTEREST-DEPOSIT> 1,882,275
<INTEREST-EXPENSE> 164,097
<INTEREST-INCOME-NET> 484,308
<LOAN-LOSSES> 83,500
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,633,000
<INCOME-PRETAX> (1,207,081)
<INCOME-PRE-EXTRAORDINARY> (1,207,081)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (1,207,081)
<EPS-BASIC> (1.05)
<EPS-DILUTED> (1.05)
<YIELD-ACTUAL> 1.41
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 49,500
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 133,000
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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