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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 FOR THE COMPANY FOR THE PERIOD ENDED SEPTEMBER
30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL
STATEMENTS AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 8,779
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 31,809
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 9,396
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 140,411
<ALLOWANCE> 1,678
<TOTAL-ASSETS> 206,392
<DEPOSITS> 154,064
<SHORT-TERM> 8,684
<LIABILITIES-OTHER> 8,406
<LONG-TERM> 0
1,411
0
<COMMON> 4,246
<OTHER-SE> 29,581
<TOTAL-LIABILITIES-AND-EQUITY> 206,392
<INTEREST-LOAN> 5,810
<INTEREST-INVEST> 243
<INTEREST-OTHER> 1,009
<INTEREST-TOTAL> 7,062
<INTEREST-DEPOSIT> 2,629
<INTEREST-EXPENSE> 2,937
<INTEREST-INCOME-NET> 4,125
<LOAN-LOSSES> 531
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,055
<INCOME-PRETAX> (2,807)
<INCOME-PRE-EXTRAORDINARY> (2,807)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (2,807)
<EPS-BASIC> (0.67)
<EPS-DILUTED> (0.67)
<YIELD-ACTUAL> 8.12
<LOANS-NON> 654
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 726
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,678
<ALLOWANCE-DOMESTIC> 1,678
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 168
</TABLE>
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