<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                         472,044
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,750,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  4,004,457
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      9,864,219
<ALLOWANCE>                                    137,872
<TOTAL-ASSETS>                              17,448,121
<DEPOSITS>                                  13,029,227
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             97,587
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                         5,637
<OTHER-SE>                                   4,315,670
<TOTAL-LIABILITIES-AND-EQUITY>              17,448,121
<INTEREST-LOAN>                                614,496
<INTEREST-INVEST>                              234,439
<INTEREST-OTHER>                                45,687
<INTEREST-TOTAL>                               894,622
<INTEREST-DEPOSIT>                             431,270
<INTEREST-EXPENSE>                             443,057
<INTEREST-INCOME-NET>                          451,565
<LOAN-LOSSES>                                  105,377
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                890,717
<INCOME-PRETAX>                              (487,395)
<INCOME-PRE-EXTRAORDINARY>                   (487,395)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (300,409)
<EPS-BASIC>                                     (0.53)
<EPS-DILUTED>                                   (0.53)
<YIELD-ACTUAL>                                    4.72
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                42,309
<CHARGE-OFFS>                                    9,814
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              137,872
<ALLOWANCE-DOMESTIC>                           137,872
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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