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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 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> 3,221
<INT-BEARING-DEPOSITS> 5,881
<FED-FUNDS-SOLD> 3,400
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 57,164
<INVESTMENTS-CARRYING> 73,340
<INVESTMENTS-MARKET> 73,297
<LOANS> 189,268
<ALLOWANCE> 989
<TOTAL-ASSETS> 288,671
<DEPOSITS> 220,467
<SHORT-TERM> 20,350
<LIABILITIES-OTHER> 2,288
<LONG-TERM> 19,737
0
0
<COMMON> 318
<OTHER-SE> 25,511
<TOTAL-LIABILITIES-AND-EQUITY> 288,671
<INTEREST-LOAN> 9,649
<INTEREST-INVEST> 3,675
<INTEREST-OTHER> 481
<INTEREST-TOTAL> 13,805
<INTEREST-DEPOSIT> 7,353
<INTEREST-EXPENSE> 9,432
<INTEREST-INCOME-NET> 4,373
<LOAN-LOSSES> 65
<SECURITIES-GAINS> 10
<EXPENSE-OTHER> 3,677
<INCOME-PRETAX> 803
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 740
<EPS-BASIC> 0.24
<EPS-DILUTED> 0.24
<YIELD-ACTUAL> 2.41
<LOANS-NON> 60
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 924
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 989
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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