<TABLE> <S> <C>

<ARTICLE>  9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE MONTHS 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>                                           1,947
<INT-BEARING-DEPOSITS>                           1,651
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      9,909
<INVESTMENTS-CARRYING>                           1,450
<INVESTMENTS-MARKET>                             1,425
<LOANS>                                        121,736
<ALLOWANCE>                                        962
<TOTAL-ASSETS>                                 144,720
<DEPOSITS>                                     128,132
<SHORT-TERM>                                       500
<LIABILITIES-OTHER>                              1,152
<LONG-TERM>                                      5,594
<COMMON>                                         7,023
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       2,319
<TOTAL-LIABILITIES-AND-EQUITY>                 144,720
<INTEREST-LOAN>                                  7,699
<INTEREST-INVEST>                                  527
<INTEREST-OTHER>                                   203
<INTEREST-TOTAL>                                 8,429
<INTEREST-DEPOSIT>                               4,439
<INTEREST-EXPENSE>                               4,771
<INTEREST-INCOME-NET>                            3,658
<LOAN-LOSSES>                                      159
<SECURITIES-GAINS>                                 (7)
<EXPENSE-OTHER>                                  3,520
<INCOME-PRETAX>                                    533
<INCOME-PRE-EXTRAORDINARY>                         533
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       487
<EPS-BASIC>                                        .48
<EPS-DILUTED>                                      .47
<YIELD-ACTUAL>                                    3.58
<LOANS-NON>                                        269
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    631
<ALLOWANCE-OPEN>                                   873
<CHARGE-OFFS>                                       83
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                  962
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>