<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance  Sheet  at  September  30,  2000,   (unaudited)  and  the
Consolidated  Statement of Income for the nine months ended  September  30, 2000
(unaudited)  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-END>                                                 SEP-30-2000
<CASH>                                                                    1,557
<INT-BEARING-DEPOSITS>                                                    2,962
<FED-FUNDS-SOLD>                                                          2,660
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                               4,271
<INVESTMENTS-CARRYING>                                                        0
<INVESTMENTS-MARKET>                                                          0
<LOANS>                                                                  68,509
<ALLOWANCE>                                                                 911
<TOTAL-ASSETS>                                                           86,466
<DEPOSITS>                                                               63,680
<SHORT-TERM>                                                             12,950
<LIABILITIES-OTHER>                                                         493
<LONG-TERM>                                                                   0
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                  9,951
<OTHER-SE>                                                                 (608)
<TOTAL-LIABILITIES-AND-EQUITY>                                           86,466
<INTEREST-LOAN>                                                           4,206
<INTEREST-INVEST>                                                           240
<INTEREST-OTHER>                                                             91
<INTEREST-TOTAL>                                                          4,536
<INTEREST-DEPOSIT>                                                        1,940
<INTEREST-EXPENSE>                                                          450
<INTEREST-INCOME-NET>                                                     2,147
<LOAN-LOSSES>                                                                90
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                           2,251
<INCOME-PRETAX>                                                             229
<INCOME-PRE-EXTRAORDINARY>                                                  152
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                                152
<EPS-BASIC>                                                                0.15
<EPS-DILUTED>                                                              0.15
<YIELD-ACTUAL>                                                             4.58
<LOANS-NON>                                                                   0
<LOANS-PAST>                                                                  0
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                            835
<CHARGE-OFFS>                                                                 0
<RECOVERIES>                                                                  0
<ALLOWANCE-CLOSE>                                                           912
<ALLOWANCE-DOMESTIC>                                                        912
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0


</TABLE>