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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extractd from
Form 10-QSB for the period ended September 30, 2000 and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,245
<INT-BEARING-DEPOSITS> 13,107
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 52,969
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 173,863
<ALLOWANCE> 1,771
<TOTAL-ASSETS> 250,519
<DEPOSITS> 163,483
<SHORT-TERM> 12,094
<LIABILITIES-OTHER> 4,150
<LONG-TERM> 45,000
23
0
<COMMON> 0
<OTHER-SE> 25,769
<TOTAL-LIABILITIES-AND-EQUITY> 250,519
<INTEREST-LOAN> 10,914
<INTEREST-INVEST> 2,513
<INTEREST-OTHER> 170
<INTEREST-TOTAL> 13,615
<INTEREST-DEPOSIT> 4,627
<INTEREST-EXPENSE> 6,722
<INTEREST-INCOME-NET> 6,893
<LOAN-LOSSES> 505
<SECURITIES-GAINS> (124)
<EXPENSE-OTHER> 5,383 <F1>
<INCOME-PRETAX> 1,769
<INCOME-PRE-EXTRAORDINARY> 1,179
<EXTRAORDINARY> 78
<CHANGES> 0
<NET-INCOME> 1,257
<EPS-BASIC> .62
<EPS-DILUTED> .62
<YIELD-ACTUAL> 4.18
<LOANS-NON> 1,426
<LOANS-PAST> 93
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,331
<CHARGE-OFFS> 79
<RECOVERIES> 14
<ALLOWANCE-CLOSE> 1,771
<ALLOWANCE-DOMESTIC> 0 <F2>
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0 <F2>
<FN>
(1) Other expense includes: salaries and employee benefits of $2,828,
occupancy expense of $874, and other expenses which totaled $1,681.
(2) Items are only disclosed on an annual basis in the Company's Form 10-KSB,
and are, therefore, not included in this Financial Data Schedule.
</FN>
</TABLE>
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