<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 11,021
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 41,594
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 126,505
<ALLOWANCE> 2,499
<TOTAL-ASSETS> 180,114
<DEPOSITS> 150,667
<SHORT-TERM> 7,504
<LIABILITIES-OTHER> 1,879
<LONG-TERM> 0
0
0
<COMMON> 30,351
<OTHER-SE> (18,663)
<TOTAL-LIABILITIES-AND-EQUITY> 180,114
<INTEREST-LOAN> 9,757
<INTEREST-INVEST> 2,571
<INTEREST-OTHER> 6
<INTEREST-TOTAL> 12,334
<INTEREST-DEPOSIT> 2,873
<INTEREST-EXPENSE> 3,366
<INTEREST-INCOME-NET> 8,968
<LOAN-LOSSES> 20
<SECURITIES-GAINS> (16)
<EXPENSE-OTHER> 6,147
<INCOME-PRETAX> 2,562
<INCOME-PRE-EXTRAORDINARY> 1,074
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,074
<EPS-BASIC> 0.12
<EPS-DILUTED> 0.12
<YIELD-ACTUAL> 6.70
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 2,018
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,457
<CHARGE-OFFS> 63
<RECOVERIES> 85
<ALLOWANCE-CLOSE> 2,499
<ALLOWANCE-DOMESTIC> 2,499
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>