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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrants unaudited September 30, 2000 quarterly financial statements 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> 21,863
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 59,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 38,125
<INVESTMENTS-CARRYING> 33,288
<INVESTMENTS-MARKET> 31,665
<LOANS> 233,160
<ALLOWANCE> 2,545
<TOTAL-ASSETS> 407,584
<DEPOSITS> 378,672
<SHORT-TERM> 0
<LONG-TERM> 3,295
<LIABILITIES-OTHER> 3,397
0
4,929
<COMMON> 26,234
<OTHER-SE> (8,943)
<TOTAL-LIABILITIES-AND-EQUITY> 407,584
<INTEREST-LOAN> 17,309
<INTEREST-INVEST> 3,461
<INTEREST-OTHER> 356
<INTEREST-TOTAL> 21,126
<INTEREST-DEPOSIT> 11,683
<INTEREST-EXPENSE> 702
<INTEREST-INCOME-NET> 8,741
<LOAN-LOSSES> 426
<SECURITIES-GAINS> 5
<EXPENSE-OTHER> 8,936
<INCOME-PRETAX> (6,214)
<INCOME-PRE-EXTRAORDINARY> (6,214)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (4,863)
<EPS-BASIC> (1.31)
<EPS-DILUTED> (1.31)
<YIELD-ACTUAL> 3.23
<LOANS-NON> 3,378
<LOANS-PAST> 842
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,173
<CHARGE-OFFS> 73
<RECOVERIES> 30
<ALLOWANCE-CLOSE> 2,545
<ALLOWANCE-DOMESTIC> 2,545
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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