<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE UNAUDITED
FINANCIAL STATEMENTS DATED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 1,026,370
<INT-BEARING-DEPOSITS> 2,000,000
<FED-FUNDS-SOLD> 5,558,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 50,760
<INVESTMENTS-CARRYING> 996,492
<INVESTMENTS-MARKET> 0
<LOANS> 27,251,391
<ALLOWANCE> (173,547)
<TOTAL-ASSETS> 39,483,902
<DEPOSITS> 30,004,674
<SHORT-TERM> 0
<LIABILITIES-OTHER> 39,012
<LONG-TERM> 0
0
0
<COMMON> 11,654
<OTHER-SE> 9,428,562
<TOTAL-LIABILITIES-AND-EQUITY> 39,483,902
<INTEREST-LOAN> 1,184,133
<INTEREST-INVEST> 165,020
<INTEREST-OTHER> 508,274
<INTEREST-TOTAL> 1,857,427
<INTEREST-DEPOSIT> 894,597
<INTEREST-EXPENSE> 894,597
<INTEREST-INCOME-NET> 962,830
<LOAN-LOSSES> 149,182
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,737,776
<INCOME-PRETAX> (897,351)
<INCOME-PRE-EXTRAORDINARY> (897,351)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (897,351)
<EPS-BASIC> (0.77)
<EPS-DILUTED> (0.77)
<YIELD-ACTUAL> 0
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 26,885
<CHARGE-OFFS> 2,520
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 173,547
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>