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<TABLE> <S> <C>
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<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 1,796
<INT-BEARING-DEPOSITS> 4,226
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 17,396
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 93,111
<ALLOWANCE> 204
<TOTAL-ASSETS> 123,936
<DEPOSITS> 98,036
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,780
<LONG-TERM> 8,975
0
0
<COMMON> 1,220
<OTHER-SE> 12,925
<TOTAL-LIABILITIES-AND-EQUITY> 123,936
<INTEREST-LOAN> 5,628
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<INTEREST-OTHER> 85
<INTEREST-TOTAL> 6,636
<INTEREST-DEPOSIT> 3,317
<INTEREST-EXPENSE> 3,692
<INTEREST-INCOME-NET> 2,944
<LOAN-LOSSES> (5)
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<EXPENSE-OTHER> 2,294
<INCOME-PRETAX> 1,127
<INCOME-PRE-EXTRAORDINARY> 1,127
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<NET-INCOME> 672
<EPS-BASIC> .63
<EPS-DILUTED> .60
<YIELD-ACTUAL> 3.45
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<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 215
<CHARGE-OFFS> 6
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 204
<ALLOWANCE-DOMESTIC> 204
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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