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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> SEP-30-2000
<CASH> 1,545
<INT-BEARING-DEPOSITS> 4,959
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 64,169
<INVESTMENTS-CARRYING> 58,781
<INVESTMENTS-MARKET> 57,657
<LOANS> 128,042
<ALLOWANCE> 1,421
<TOTAL-ASSETS> 267,862
<DEPOSITS> 196,488
<SHORT-TERM> 13,600
<LIABILITIES-OTHER> 1,877
<LONG-TERM> 27,782
0
0
<COMMON> 276
<OTHER-SE> 27,840
<TOTAL-LIABILITIES-AND-EQUITY> 267,862
<INTEREST-LOAN> 7,542
<INTEREST-INVEST> 6,597
<INTEREST-OTHER> 116
<INTEREST-TOTAL> 14,255
<INTEREST-DEPOSIT> 5,912
<INTEREST-EXPENSE> 7,764
<INTEREST-INCOME-NET> 6,491
<LOAN-LOSSES> 405
<SECURITIES-GAINS> 7
<EXPENSE-OTHER> 4,508
<INCOME-PRETAX> 2,217
<INCOME-PRE-EXTRAORDINARY> 2,217
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,659
<EPS-BASIC> 0.66
<EPS-DILUTED> 0.66
<YIELD-ACTUAL> 3.54
<LOANS-NON> 470
<LOANS-PAST> 96
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,360
<CHARGE-OFFS> 364
<RECOVERIES> 20
<ALLOWANCE-CLOSE> 1,421
<ALLOWANCE-DOMESTIC> 1,421
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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