<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-QSB
FOR THE PERIOD ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</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> 829
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 4,017
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 11,356
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 15,265
<ALLOWANCE> 227
<TOTAL-ASSETS> 32,771
<DEPOSITS> 20,159
<SHORT-TERM> 0
<LIABILITIES-OTHER> 248
<LONG-TERM> 0
0
0
<COMMON> 13
<OTHER-SE> 12,351
<TOTAL-LIABILITIES-AND-EQUITY> 32,771
<INTEREST-LOAN> 545
<INTEREST-INVEST> 359
<INTEREST-OTHER> 371
<INTEREST-TOTAL> 1,275
<INTEREST-DEPOSIT> 474
<INTEREST-EXPENSE> 474
<INTEREST-INCOME-NET> 801
<LOAN-LOSSES> 202
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,313
<INCOME-PRETAX> (693)
<INCOME-PRE-EXTRAORDINARY> (432)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (432)
<EPS-BASIC> (.33)
<EPS-DILUTED> (.33)
<YIELD-ACTUAL> 4.73
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 24
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 227
<ALLOWANCE-DOMESTIC> 227
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>