<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> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 339
<INT-BEARING-DEPOSITS> 15
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 15,211
<INVESTMENTS-CARRYING> 1,552
<INVESTMENTS-MARKET> 1,494
<LOANS> 39,303
<ALLOWANCE> 302
<TOTAL-ASSETS> 58,073
<DEPOSITS> 46,017
<SHORT-TERM> 0
<LIABILITIES-OTHER> 439
<LONG-TERM> 5,600
0
0
<COMMON> 71
<OTHER-SE> 5,945
<TOTAL-LIABILITIES-AND-EQUITY> 58,073
<INTEREST-LOAN> 2,062
<INTEREST-INVEST> 859
<INTEREST-OTHER> 68
<INTEREST-TOTAL> 2,990
<INTEREST-DEPOSIT> 1,371
<INTEREST-EXPENSE> 1,768
<INTEREST-INCOME-NET> 1,222
<LOAN-LOSSES> 115
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,187
<INCOME-PRETAX> 112
<INCOME-PRE-EXTRAORDINARY> 112
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 112
<EPS-BASIC> .16
<EPS-DILUTED> .16
<YIELD-ACTUAL> 3.08
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 187
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 302
<ALLOWANCE-DOMESTIC> 302
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>