<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED 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> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                             447
<INT-BEARING-DEPOSITS>                           1,014
<FED-FUNDS-SOLD>                                 2,709
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,700
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                          9,965
<ALLOWANCE>                                        125
<TOTAL-ASSETS>                                  22,101
<DEPOSITS>                                      15,384
<SHORT-TERM>                                     1,010
<LIABILITIES-OTHER>                                 63
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             7
<OTHER-SE>                                       5,637
<TOTAL-LIABILITIES-AND-EQUITY>                  22,101
<INTEREST-LOAN>                                    338
<INTEREST-INVEST>                                  304
<INTEREST-OTHER>                                   255
<INTEREST-TOTAL>                                   897
<INTEREST-DEPOSIT>                                 343
<INTEREST-EXPENSE>                                 451
<INTEREST-INCOME-NET>                              446
<LOAN-LOSSES>                                      113
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    928<F1>
<INCOME-PRETAX>                                   (570)
<INCOME-PRE-EXTRAORDINARY>                        (356)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      (356)
<EPS-BASIC>                                       (.51)
<EPS-DILUTED>                                     (.51)
<YIELD-ACTUAL>                                    3.45
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    11
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  124
<ALLOWANCE-DOMESTIC>                               124
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Other expense includes: salaries and employee benefits of $476, occupancy of
$188, advertising fee of $39, stationery and supplies of $36, professional fees
of $71, data processing of $53 and other expenses which totaled $66.
</FN>


</TABLE>