<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from SEC 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-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 1,278
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 8,664
<INVESTMENTS-CARRYING> 8,659
<INVESTMENTS-MARKET> 26,927
<LOANS> 21,450
<ALLOWANCE> 234
<TOTAL-ASSETS> 51,688
<DEPOSITS> 43,387
<SHORT-TERM> 0
<LIABILITIES-OTHER> 264
<LONG-TERM> 0
0
0
<COMMON> 8,612
<OTHER-SE> (575)
<TOTAL-LIABILITIES-AND-EQUITY> 51,688
<INTEREST-LOAN> 1,066
<INTEREST-INVEST> 1,127
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 2,193
<INTEREST-DEPOSIT> 1,066
<INTEREST-EXPENSE> 1,066
<INTEREST-INCOME-NET> 1,127
<LOAN-LOSSES> 98
<SECURITIES-GAINS> (10)
<EXPENSE-OTHER> 1,012
<INCOME-PRETAX> 183
<INCOME-PRE-EXTRAORDINARY> 183
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 183
<EPS-BASIC> .20
<EPS-DILUTED> .20
<YIELD-ACTUAL> 3.15
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 0
<CHARGE-OFFS> 10
<RECOVERIES> 6
<ALLOWANCE-CLOSE> 234
<ALLOWANCE-DOMESTIC> 234
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>