<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AT SEPTEMBER 30, 2000 (UNAUDITED),
CONSOLIDATED CONDENSED STATEMENT OF INCOME FOR THE NINE MONTHS ENDED SEPTEMBER
30, 2000 (UNAUDITED) AND THE NOTES TO THE CONSOLIDATED CONDENSED FINANCIAL
STATEMENTS 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-END> SEP-30-2000
<CASH> 5,730
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 16,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 22,007
<INVESTMENTS-CARRYING> 10,497
<INVESTMENTS-MARKET> 10,385
<LOANS> 105,298
<ALLOWANCE> 1,430
<TOTAL-ASSETS> 165,030
<DEPOSITS> 144,625
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,443
<LONG-TERM> 0
0
0
<COMMON> 21,299
<OTHER-SE> (2,327)
<TOTAL-LIABILITIES-AND-EQUITY> 165,030
<INTEREST-LOAN> 5,931
<INTEREST-INVEST> 1,408
<INTEREST-OTHER> 618
<INTEREST-TOTAL> 7,957
<INTEREST-DEPOSIT> 3,402
<INTEREST-EXPENSE> 3,402
<INTEREST-INCOME-NET> 4,555
<LOAN-LOSSES> 193
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,226
<INCOME-PRETAX> 749
<INCOME-PRE-EXTRAORDINARY> 749
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 737
<EPS-BASIC> 0.38
<EPS-DILUTED> 0.38
<YIELD-ACTUAL> 0.07
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,237
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,430
<ALLOWANCE-DOMESTIC> 1,274
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 156
</TABLE>