<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
FINANCIAL DATA SCHEDULE
The schedule contains summary financial information extracted from the quarterly
report on Form 10-QSB for the fiscal quarter ended September 30, 2000 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 209
<INT-BEARING-DEPOSITS> 3,995
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4,444
<INVESTMENTS-CARRYING> 5,904
<INVESTMENTS-MARKET> 5,899
<LOANS> 22,491
<ALLOWANCE> 223
<TOTAL-ASSETS> 39,147
<DEPOSITS> 27,513
<SHORT-TERM> 0
<LIABILITIES-OTHER> 774
<LONG-TERM> 5,681
0
0
<COMMON> 3
<OTHER-SE> 5,176
<TOTAL-LIABILITIES-AND-EQUITY> 39,147
<INTEREST-LOAN> 1,500
<INTEREST-INVEST> 567
<INTEREST-OTHER> 162
<INTEREST-TOTAL> 2,229
<INTEREST-DEPOSIT> 984
<INTEREST-EXPENSE> 1,238
<INTEREST-INCOME-NET> 991
<LOAN-LOSSES> 25
<SECURITIES-GAINS> (865)
<EXPENSE-OTHER> 859
<INCOME-PRETAX> (628)
<INCOME-PRE-EXTRAORDINARY> (628)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (374)
<EPS-BASIC> (1.45)
<EPS-DILUTED> (1.45)
<YIELD-ACTUAL> 8.13
<LOANS-NON> 19
<LOANS-PAST> 7
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 199
<CHARGE-OFFS> 1
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 223
<ALLOWANCE-DOMESTIC> 223
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>