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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 1,951,428
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 9,159
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 2,641,203
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 34,115,521
<ALLOWANCE> (534,218)
<TOTAL-ASSETS> 44,251,735
<DEPOSITS> 37,301,862
<SHORT-TERM> 3,344,294
<LIABILITIES-OTHER> 460,138
<LONG-TERM> 1,526,116
21,430
0
<COMMON> 0
<OTHER-SE> 1,350,228
<TOTAL-LIABILITIES-AND-EQUITY> 44,251,735
<INTEREST-LOAN> 2,268,989
<INTEREST-INVEST> 164,339
<INTEREST-OTHER> 1,375
<INTEREST-TOTAL> 2,434,703
<INTEREST-DEPOSIT> 1,369,308
<INTEREST-EXPENSE> 1,475,377
<INTEREST-INCOME-NET> 959,326
<LOAN-LOSSES> 88,500
<SECURITIES-GAINS> 24,126
<EXPENSE-OTHER> 3,205,244
<INCOME-PRETAX> (538,312)
<INCOME-PRE-EXTRAORDINARY> (538,312)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (542,606)
<EPS-BASIC> (0.27)
<EPS-DILUTED> (0.27)
<YIELD-ACTUAL> 3.58
<LOANS-NON> 72,647
<LOANS-PAST> 235,247
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 307,894
<ALLOWANCE-OPEN> 532,585
<CHARGE-OFFS> 144,036
<RECOVERIES> 57,169
<ALLOWANCE-CLOSE> 534,218
<ALLOWANCE-DOMESTIC> 428,085
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 106,133
</TABLE>
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