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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information
extracted from Form 10-QSB for the period ended
September 30, 2000 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> Dec-31-2000
<PERIOD-START> Jan-01-2000
<PERIOD-END> Sep-30-2000
<CASH> 763
<INT-BEARING-DEPOSITS> 27
<FED-FUNDS-SOLD> 497
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 3,329
<INVESTMENTS-CARRYING> 500
<INVESTMENTS-MARKET> 495
<LOANS> 8,777
<ALLOWANCE> 113
<TOTAL-ASSETS> 15,839
<DEPOSITS> 11,615
<SHORT-TERM> 0
<LIABILITIES-OTHER> 236
<LONG-TERM> 0
0
0
<COMMON> 5
<OTHER-SE> 3,983
<TOTAL-LIABILITIES-AND-EQUITY> 15,839
<INTEREST-LOAN> 458
<INTEREST-INVEST> 144
<INTEREST-OTHER> 63
<INTEREST-TOTAL> 665
<INTEREST-DEPOSIT> 302
<INTEREST-EXPENSE> 303
<INTEREST-INCOME-NET> 362
<LOAN-LOSSES> 75
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 690
<INCOME-PRETAX> (343)
<INCOME-PRE-EXTRAORDINARY> (213)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (213)
<EPS-BASIC> (.41)
<EPS-DILUTED> (.41)
<YIELD-ACTUAL> 4.0
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 42
<CHARGE-OFFS> 4
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 113
<ALLOWANCE-DOMESTIC> 113
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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