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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 FOR THE COMPANY FOR THE PERIOD ENDED SEPTEMBER
30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL
STATEMENTS AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 14,316
<INT-BEARING-DEPOSITS> 1,491
<FED-FUNDS-SOLD> 4,532
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 17,264
<INVESTMENTS-CARRYING> 1,233
<INVESTMENTS-MARKET> 1,248
<LOANS> 206,417
<ALLOWANCE> 2,257
<TOTAL-ASSETS> 256,020
<DEPOSITS> 213,329
<SHORT-TERM> 20,000
<LIABILITIES-OTHER> 855
<LONG-TERM> 855
0
0
<COMMON> 2,452
<OTHER-SE> 12,137
<TOTAL-LIABILITIES-AND-EQUITY> 256,276
<INTEREST-LOAN> 15,158
<INTEREST-INVEST> 1,721
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 7,379
<INTEREST-DEPOSIT> 7,783
<INTEREST-EXPENSE> 9,500
<INTEREST-INCOME-NET> 7,379
<LOAN-LOSSES> 1,355
<SECURITIES-GAINS> (76)
<EXPENSE-OTHER> 6,239
<INCOME-PRETAX> 900
<INCOME-PRE-EXTRAORDINARY> 900
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 594
<EPS-BASIC> .30
<EPS-DILUTED> .30
<YIELD-ACTUAL> 9.03
<LOANS-NON> 346
<LOANS-PAST> 1,587
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 6,407
<ALLOWANCE-OPEN> 1,303
<CHARGE-OFFS> 423
<RECOVERIES> 22
<ALLOWANCE-CLOSE> 2,257
<ALLOWANCE-DOMESTIC> 2,257
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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