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<TABLE> <S> <C>
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<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> Dec-31-2000
<PERIOD-START> Jan-1-2000
<PERIOD-END> Sep-30-2000
<CASH> 8,974
<INT-BEARING-DEPOSITS> 50
<FED-FUNDS-SOLD> 300
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 76,018
<ALLOWANCE> 958
<TOTAL-ASSETS> 134,906
<DEPOSITS> 104,773
<SHORT-TERM> 15,000
<LIABILITIES-OTHER> 1,038
<LONG-TERM> 7,535
0
1,993
<COMMON> 6,544
<OTHER-SE> (1,977)
<TOTAL-LIABILITIES-AND-EQUITY> 134,906
<INTEREST-LOAN> 5,444
<INTEREST-INVEST> 2,046
<INTEREST-OTHER> 61
<INTEREST-TOTAL> 7,551
<INTEREST-DEPOSIT> 2,100
<INTEREST-EXPENSE> 3,724
<INTEREST-INCOME-NET> 3,827
<LOAN-LOSSES> 235
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,343
<INCOME-PRETAX> 63
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<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (87)
<EPS-BASIC> (0.20)
<EPS-DILUTED> (0.20)
<YIELD-ACTUAL> 4.34
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<LOANS-PAST> 11
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<ALLOWANCE-OPEN> 871
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<RECOVERIES> 115
<ALLOWANCE-CLOSE> 958
<ALLOWANCE-DOMESTIC> 849
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 109
</TABLE>
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