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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 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> 447
<INT-BEARING-DEPOSITS> 1,014
<FED-FUNDS-SOLD> 2,709
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 6,700
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 9,965
<ALLOWANCE> 125
<TOTAL-ASSETS> 22,101
<DEPOSITS> 15,384
<SHORT-TERM> 1,010
<LIABILITIES-OTHER> 63
<LONG-TERM> 0
0
0
<COMMON> 7
<OTHER-SE> 5,637
<TOTAL-LIABILITIES-AND-EQUITY> 22,101
<INTEREST-LOAN> 338
<INTEREST-INVEST> 304
<INTEREST-OTHER> 255
<INTEREST-TOTAL> 897
<INTEREST-DEPOSIT> 343
<INTEREST-EXPENSE> 451
<INTEREST-INCOME-NET> 446
<LOAN-LOSSES> 113
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 928<F1>
<INCOME-PRETAX> (570)
<INCOME-PRE-EXTRAORDINARY> (356)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (356)
<EPS-BASIC> (.51)
<EPS-DILUTED> (.51)
<YIELD-ACTUAL> 3.45
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 11
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 124
<ALLOWANCE-DOMESTIC> 124
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
<FN>
<F1>Other expense includes: salaries and employee benefits of $476, occupancy of
$188, advertising fee of $39, stationery and supplies of $36, professional fees
of $71, data processing of $53 and other expenses which totaled $66.
</FN>
</TABLE>
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