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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 326
<INT-BEARING-DEPOSITS> 946
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 10,119
<INVESTMENTS-CARRYING> 5,496
<INVESTMENTS-MARKET> 5,390
<LOANS> 39,783
<ALLOWANCE> 151
<TOTAL-ASSETS> 60,625
<DEPOSITS> 34,274
<SHORT-TERM> 129
<LIABILITIES-OTHER> 582
<LONG-TERM> 19,069
0
0
<COMMON> 38
<OTHER-SE> 6,533
<TOTAL-LIABILITIES-AND-EQUITY> 60,625
<INTEREST-LOAN> 2,210
<INTEREST-INVEST> 771
<INTEREST-OTHER> 112
<INTEREST-TOTAL> 3,093
<INTEREST-DEPOSIT> 1,141
<INTEREST-EXPENSE> 1,908
<INTEREST-INCOME-NET> 1,185
<LOAN-LOSSES> 4
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,078
<INCOME-PRETAX> 289
<INCOME-PRE-EXTRAORDINARY> 205
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 205
<EPS-BASIC> .61
<EPS-DILUTED> .59
<YIELD-ACTUAL> 2.60
<LOANS-NON> 389
<LOANS-PAST> 4
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 168
<CHARGE-OFFS> 21
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 151
<ALLOWANCE-DOMESTIC> 151
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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