<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
unaudited Consolidated Balance Sheet at September 30, 2000 and the unaudited
Consolidated Statement of Income for the three months 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> 1,738
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 5,170
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 11,014
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 66,244
<ALLOWANCE> 1,298
<TOTAL-ASSETS> 85,562
<DEPOSITS> 76,813
<SHORT-TERM> 0
<LIABILITIES-OTHER> 708
<LONG-TERM> 0
0
0
<COMMON> 4,683
<OTHER-SE> 3,358
<TOTAL-LIABILITIES-AND-EQUITY> 85,562
<INTEREST-LOAN> 4,919
<INTEREST-INVEST> 412
<INTEREST-OTHER> 343
<INTEREST-TOTAL> 5,674
<INTEREST-DEPOSIT> 3,143
<INTEREST-EXPENSE> 0
<INTEREST-INCOME-NET> 2,531
<LOAN-LOSSES> 530
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,659
<INCOME-PRETAX> 425
<INCOME-PRE-EXTRAORDINARY> 269
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 269
<EPS-BASIC> .14
<EPS-DILUTED> .14
<YIELD-ACTUAL> 4.11
<LOANS-NON> 2,057
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,173
<CHARGE-OFFS> 405
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,298
<ALLOWANCE-DOMESTIC> 1,298
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>