<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
FOR THE PERIOD 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-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 5,746
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 10,679
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 17,895
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 128,708
<ALLOWANCE> 1,468
<TOTAL-ASSETS> 175,587
<DEPOSITS> 157,435
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,919
<LONG-TERM> 0
1,090
0
<COMMON> 0
<OTHER-SE> 14,143
<TOTAL-LIABILITIES-AND-EQUITY> 175,587
<INTEREST-LOAN> 6,929
<INTEREST-INVEST> 827
<INTEREST-OTHER> 319
<INTEREST-TOTAL> 8,075
<INTEREST-DEPOSIT> 4,046
<INTEREST-EXPENSE> 4,098
<INTEREST-INCOME-NET> 3,977
<LOAN-LOSSES> 840
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,603
<INCOME-PRETAX> 16
<INCOME-PRE-EXTRAORDINARY> 10
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 10
<EPS-BASIC> .01
<EPS-DILUTED> .01
<YIELD-ACTUAL> 0
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 0
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 0
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>