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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
(Replace this text with the legend)
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 181
<INT-BEARING-DEPOSITS> 2,548
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 5,904
<INVESTMENTS-CARRYING> 2,394
<INVESTMENTS-MARKET> 2,350
<LOANS> 20,693
<ALLOWANCE> 396
<TOTAL-ASSETS> 31,667
<DEPOSITS> 24,425
<SHORT-TERM> 3,301
<LIABILITIES-OTHER> 240
<LONG-TERM> 0
0
0
<COMMON> 2
<OTHER-SE> 3,698
<TOTAL-LIABILITIES-AND-EQUITY> 31,667
<INTEREST-LOAN> 421
<INTEREST-INVEST> 138
<INTEREST-OTHER> 29
<INTEREST-TOTAL> 588
<INTEREST-DEPOSIT> 259
<INTEREST-EXPENSE> 308
<INTEREST-INCOME-NET> 280
<LOAN-LOSSES> 5
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 195
<INCOME-PRETAX> 102
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 61
<EPS-BASIC> .32
<EPS-DILUTED> .31
<YIELD-ACTUAL> 3.70
<LOANS-NON> 199
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 61
<ALLOWANCE-OPEN> 391
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 396
<ALLOWANCE-DOMESTIC> 155
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 241
</TABLE>
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