<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER>  1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                                                       550
<INT-BEARING-DEPOSITS>                                                       167
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                    0
<INVESTMENTS-CARRYING>                                                     4,179
<INVESTMENTS-MARKET>                                                       4,184
<LOANS>                                                                   20,998
<ALLOWANCE>                                                                  180
<TOTAL-ASSETS>                                                            26,496
<DEPOSITS>                                                                23,460
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          151
<LONG-TERM>                                                                    0
<COMMON>                                                                       1
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<OTHER-SE>                                                                 2,884
<TOTAL-LIABILITIES-AND-EQUITY>                                            26,496
<INTEREST-LOAN>                                                            1,264
<INTEREST-INVEST>                                                            212
<INTEREST-OTHER>                                                              55
<INTEREST-TOTAL>                                                           1,531
<INTEREST-DEPOSIT>                                                           824
<INTEREST-EXPENSE>                                                           866
<INTEREST-INCOME-NET>                                                        665
<LOAN-LOSSES>                                                                 25
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              486
<INCOME-PRETAX>                                                              194
<INCOME-PRE-EXTRAORDINARY>                                                   122
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 122
<EPS-BASIC>                                                                  .91
<EPS-DILUTED>                                                                .91
<YIELD-ACTUAL>                                                              3.47
<LOANS-NON>                                                                   22
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             176
<CHARGE-OFFS>                                                                 24
<RECOVERIES>                                                                   4
<ALLOWANCE-CLOSE>                                                            180
<ALLOWANCE-DOMESTIC>                                                         180
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0


</TABLE>