<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> 4,329
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 18,634
<INVESTMENTS-CARRYING> 57,895
<INVESTMENTS-MARKET> 55,371
<LOANS> 64,510
<ALLOWANCE> 262
<TOTAL-ASSETS> 151,579
<DEPOSITS> 79,638
<SHORT-TERM> 1,500
<LIABILITIES-OTHER> 2,487
<LONG-TERM> 50,000
0
0
<COMMON> 155
<OTHER-SE> 17,799
<TOTAL-LIABILITIES-AND-EQUITY> 151,579
<INTEREST-LOAN> 3,305
<INTEREST-INVEST> 3,985
<INTEREST-OTHER> 179
<INTEREST-TOTAL> 7,469
<INTEREST-DEPOSIT> 2,595
<INTEREST-EXPENSE> 4,558
<INTEREST-INCOME-NET> 2,911
<LOAN-LOSSES> 27
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,360
<INCOME-PRETAX> 1,313
<INCOME-PRE-EXTRAORDINARY> 1,313
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 837
<EPS-BASIC> 0.71
<EPS-DILUTED> 0.71
<YIELD-ACTUAL> 0
<LOANS-NON> 7
<LOANS-PAST> 483
<LOANS-TROUBLED> 138
<LOANS-PROBLEM> 198
<ALLOWANCE-OPEN> 253
<CHARGE-OFFS> 6
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 262
<ALLOWANCE-DOMESTIC> 262
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 262
</TABLE>