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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> 499
<INT-BEARING-DEPOSITS> 3,755
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4,586
<INVESTMENTS-CARRYING> 20,249
<INVESTMENTS-MARKET> 19,791
<LOANS> 18,187
<ALLOWANCE> 143
<TOTAL-ASSETS> 49,293
<DEPOSITS> 39,714
<SHORT-TERM> 0
<LIABILITIES-OTHER> 649
<LONG-TERM> 0
0
0
<COMMON> 73
<OTHER-SE> 8,857
<TOTAL-LIABILITIES-AND-EQUITY> 49,293
<INTEREST-LOAN> 979
<INTEREST-INVEST> 1,258
<INTEREST-OTHER> 187
<INTEREST-TOTAL> 2,424
<INTEREST-DEPOSIT> 1,231
<INTEREST-EXPENSE> 1,231
<INTEREST-INCOME-NET> 1,193
<LOAN-LOSSES> 11
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,134
<INCOME-PRETAX> 161
<INCOME-PRE-EXTRAORDINARY> 161
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 156
<EPS-BASIC> .28
<EPS-DILUTED> .28
<YIELD-ACTUAL> 3.40
<LOANS-NON> 227
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 138
<CHARGE-OFFS> 6
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 143
<ALLOWANCE-DOMESTIC> 143
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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