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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-1-2000
<PERIOD-END> SEP-30-2000
<CASH> 265,607
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 5,040,000
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 9,660,217
<ALLOWANCE> 106,700
<TOTAL-ASSETS> 18,382,078
<DEPOSITS> 9,879,674
<SHORT-TERM> 0
<LIABILITIES-OTHER> 79,794
<LONG-TERM> 0
0
0
<COMMON> 9,483
<OTHER-SE> 8,413,127
<TOTAL-LIABILITIES-AND-EQUITY> 18,382,078
<INTEREST-LOAN> 257,769
<INTEREST-INVEST> 137,268
<INTEREST-OTHER> 146,618
<INTEREST-TOTAL> 541,655
<INTEREST-DEPOSIT> 88,498
<INTEREST-EXPENSE> 91,995
<INTEREST-INCOME-NET> 449,660
<LOAN-LOSSES> 106,700
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 622,487
<INCOME-PRETAX> (241,096)
<INCOME-PRE-EXTRAORDINARY> (77,269)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (77,269)
<EPS-BASIC> (0.08)
<EPS-DILUTED> (0.08)
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<LOANS-PAST> 0
<LOANS-TROUBLED> 0
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<ALLOWANCE-OPEN> 106,700
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 106,700
<ALLOWANCE-DOMESTIC> 106,700
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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