<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information derived from the quarterly
report on form 10-QSB and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 2,070,856
<INT-BEARING-DEPOSITS> 16,346
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 13,366,343
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 80,262,790
<ALLOWANCE> 1,165,695
<TOTAL-ASSETS> 102,450,983
<DEPOSITS> 88,705,225
<SHORT-TERM> 5,876,337
<LIABILITIES-OTHER> 643,402
<LONG-TERM> 0
0
0
<COMMON> 3,501,620
<OTHER-SE> 3,724,399
<TOTAL-LIABILITIES-AND-EQUITY> 102,450,983
<INTEREST-LOAN> 5,257,769
<INTEREST-INVEST> 524,366
<INTEREST-OTHER> 65,469
<INTEREST-TOTAL> 5,847,604
<INTEREST-DEPOSIT> 2,759,937
<INTEREST-EXPENSE> 3,187,536
<INTEREST-INCOME-NET> 2,660,068
<LOAN-LOSSES> 350,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,784,757
<INCOME-PRETAX> 19,703
<INCOME-PRE-EXTRAORDINARY> 19,703
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 47,888
<EPS-BASIC> .07
<EPS-DILUTED> .07
<YIELD-ACTUAL> 0
<LOANS-NON> 2,287,000
<LOANS-PAST> 65,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 865,116
<ALLOWANCE-OPEN> 1,211,628
<CHARGE-OFFS> 408,499
<RECOVERIES> 12,566
<ALLOWANCE-CLOSE> 1,165,695
<ALLOWANCE-DOMESTIC> 1,165,695
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>