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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1000
<CURRENCY> U.S.DOLLARS
<CAPTION>
<S>
<C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 5,620
<INT-BEARING-DEPOSITS> 47,590
<FED-FUNDS-SOLD> 3,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 5,716
<INVESTMENTS-CARRYING> 16,497
<INVESTMENTS-MARKET> 16,306
<LOANS> 54,612
<ALLOWANCE> 1,116
<TOTAL-ASSETS> 89,747
<DEPOSITS> 77,384
<SHORT-TERM> 1,800
<LIABILITIES-OTHER> 695
<LONG-TERM> 0
0
0
<COMMON> 13,675
<OTHER-SE> (3,807)
<TOTAL-LIABILITIES-AND-EQUITY> 89,747
<INTEREST-LOAN> 3,675
<INTEREST-INVEST> 993
<INTEREST-OTHER> 278
<INTEREST-TOTAL> 4,946
<INTEREST-DEPOSIT> 1,568
<INTEREST-EXPENSE> 1,570
<INTEREST-INCOME-NET> 3,376
<LOAN-LOSSES> 90
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,054
<INCOME-PRETAX> 650
<INCOME-PRE-EXTRAORDINARY> 650
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 659
<EPS-BASIC> .17
<EPS-DILUTED> .17
<YIELD-ACTUAL> 5.49
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 853
<CHARGE-OFFS> 36
<RECOVERIES> 209
<ALLOWANCE-CLOSE> 1,116
<ALLOWANCE-DOMESTIC> 1,116
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,116
</TABLE>
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