<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q and is qualified in its entirety by reference to such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          14,269
<INT-BEARING-DEPOSITS>                          46,770
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   628
<INVESTMENTS-HELD-FOR-SALE>                     13,702
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        282,180
<ALLOWANCE>                                      1,500
<TOTAL-ASSETS>                                 428,827
<DEPOSITS>                                     348,726
<SHORT-TERM>                                    14,310
<LIABILITIES-OTHER>                             14,896
<LONG-TERM>                                     30,616
                               20
                                          0
<COMMON>                                             3
<OTHER-SE>                                      20,256
<TOTAL-LIABILITIES-AND-EQUITY>                 428,827
<INTEREST-LOAN>                                 17,315
<INTEREST-INVEST>                                2,550
<INTEREST-OTHER>                                 1,727
<INTEREST-TOTAL>                                21,592
<INTEREST-DEPOSIT>                              13,048
<INTEREST-EXPENSE>                              15,873
<INTEREST-INCOME-NET>                            5,719
<LOAN-LOSSES>                                      185
<SECURITIES-GAINS>                                 226
<EXPENSE-OTHER>                                  6,345
<INCOME-PRETAX>                                    936
<INCOME-PRE-EXTRAORDINARY>                         936
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       970
<EPS-BASIC>                                        .48
<EPS-DILUTED>                                      .45
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                      5,800
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,551
<CHARGE-OFFS>                                      116
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,500<F1>
<ALLOWANCE-DOMESTIC>                             1,500<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>This information is not disclosed in the Form 10-Q
</FN>


</TABLE>



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