<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
                              This schedule conatians summary financial
                              information extracted from the consolidated
                              balance sheets and consolidated statements
                              of operations found on pages 3 and 4 of the
                              Company's Form 10-QSB for the year to date.

</LEGEND>
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S.Dollars

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Sep-30-2000
<EXCHANGE-RATE>                                1
<CASH>                                         1,358
<INT-BEARING-DEPOSITS>                         4,536
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    1,582
<INVESTMENTS-CARRYING>                         6,658
<INVESTMENTS-MARKET>                           6,195
<LOANS>                                        213,411
<ALLOWANCE>                                    1,480
<TOTAL-ASSETS>                                 240,063
<DEPOSITS>                                     170,915
<SHORT-TERM>                                   44,500
<LIABILITIES-OTHER>                            9,287
<LONG-TERM>                                    0
                          0
                                    0
<COMMON>                                       49
<OTHER-SE>                                     115,312
<TOTAL-LIABILITIES-AND-EQUITY>                 240,063
<INTEREST-LOAN>                                12,884
<INTEREST-INVEST>                              223
<INTEREST-OTHER>                               312
<INTEREST-TOTAL>                               13,419
<INTEREST-DEPOSIT>                             6,815
<INTEREST-EXPENSE>                             8,999
<INTEREST-INCOME-NET>                          4,420
<LOAN-LOSSES>                                  180
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                4,358
<INCOME-PRETAX>                                1,305
<INCOME-PRE-EXTRAORDINARY>                     1,305
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   917
<EPS-BASIC>                                    0.19
<EPS-DILUTED>                                  0.19
<YIELD-ACTUAL>                                 8.02
<LOANS-NON>                                    2,987
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                3,429
<ALLOWANCE-OPEN>                               1,438
<CHARGE-OFFS>                                  150
<RECOVERIES>                                   12
<ALLOWANCE-CLOSE>                              1,480
<ALLOWANCE-DOMESTIC>                           1,480
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0



</TABLE>



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