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<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 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> 2,714
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 3,082
<INVESTMENTS-CARRYING> 50
<INVESTMENTS-MARKET> 50
<LOANS> 24,664
<ALLOWANCE> 246
<TOTAL-ASSETS> 35,452
<DEPOSITS> 26,578
<SHORT-TERM> 74
<LIABILITIES-OTHER> 1,131
<LONG-TERM> 0
0
0
<COMMON> 10
<OTHER-SE> 7,659
<TOTAL-LIABILITIES-AND-EQUITY> 35,452
<INTEREST-LOAN> 1,017
<INTEREST-INVEST> 109
<INTEREST-OTHER> 111
<INTEREST-TOTAL> 1,237
<INTEREST-DEPOSIT> 484
<INTEREST-EXPENSE> 486
<INTEREST-INCOME-NET> 751
<LOAN-LOSSES> 165
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,685
<INCOME-PRETAX> (921)
<INCOME-PRE-EXTRAORDINARY> (577)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (577)
<EPS-BASIC> (.57)
<EPS-DILUTED> (.57)
<YIELD-ACTUAL> 5.38
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 81
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 246
<ALLOWANCE-DOMESTIC> 246
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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