<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-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 1,303
<INT-BEARING-DEPOSITS> 2,924
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 15,631
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 192,719
<ALLOWANCE> 846
<TOTAL-ASSETS> 217,518
<DEPOSITS> 160,411
<SHORT-TERM> 32,500
<LIABILITIES-OTHER> 2,917
<LONG-TERM> 0
0
0
<COMMON> 219
<OTHER-SE> 21,471
<TOTAL-LIABILITIES-AND-EQUITY> 217,518
<INTEREST-LOAN> 10,870
<INTEREST-INVEST> 851
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 11,721
<INTEREST-DEPOSIT> 5,958
<INTEREST-EXPENSE> 1,056
<INTEREST-INCOME-NET> 4,707
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,689
<INCOME-PRETAX> 2,113
<INCOME-PRE-EXTRAORDINARY> 2,113
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,235
<EPS-BASIC> 0.98
<EPS-DILUTED> 0.96
<YIELD-ACTUAL> 3.10
<LOANS-NON> 179
<LOANS-PAST> 115
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 761
<ALLOWANCE-OPEN> 857
<CHARGE-OFFS> 31
<RECOVERIES> 20
<ALLOWANCE-CLOSE> 846
<ALLOWANCE-DOMESTIC> 846
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>