<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>

                             FINANCIAL DATA SCHEDULE

The schedule contains summary financial information extracted from the quarterly
report on Form 10-QSB for the fiscal  quarter  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>                                                                                          209
<INT-BEARING-DEPOSITS>                                                                        3,995
<FED-FUNDS-SOLD>                                                                                  0
<TRADING-ASSETS>                                                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                                                   4,444
<INVESTMENTS-CARRYING>                                                                        5,904
<INVESTMENTS-MARKET>                                                                          5,899
<LOANS>                                                                                      22,491
<ALLOWANCE>                                                                                     223
<TOTAL-ASSETS>                                                                               39,147
<DEPOSITS>                                                                                   27,513
<SHORT-TERM>                                                                                      0
<LIABILITIES-OTHER>                                                                             774
<LONG-TERM>                                                                                   5,681
<PREFERRED-MANDATORY>                                                                             0
<PREFERRED>                                                                                       0
<COMMON>                                                                                          3
<OTHER-SE>                                                                                    5,176
<TOTAL-LIABILITIES-AND-EQUITY>                                                               39,147
<INTEREST-LOAN>                                                                               1,500
<INTEREST-INVEST>                                                                               567
<INTEREST-OTHER>                                                                                162
<INTEREST-TOTAL>                                                                              2,229
<INTEREST-DEPOSIT>                                                                              984
<INTEREST-EXPENSE>                                                                            1,238
<INTEREST-INCOME-NET>                                                                           991
<LOAN-LOSSES>                                                                                    25
<SECURITIES-GAINS>                                                                            (865)
<EXPENSE-OTHER>                                                                                 859
<INCOME-PRETAX>                                                                               (628)
<INCOME-PRE-EXTRAORDINARY>                                                                    (628)
<EXTRAORDINARY>                                                                                   0
<CHANGES>                                                                                         0
<NET-INCOME>                                                                                  (374)
<EPS-BASIC>                                                                                (1.45)
<EPS-DILUTED>                                                                                (1.45)
<YIELD-ACTUAL>                                                                                 8.13
<LOANS-NON>                                                                                      19
<LOANS-PAST>                                                                                      7
<LOANS-TROUBLED>                                                                                  0
<LOANS-PROBLEM>                                                                                   0
<ALLOWANCE-OPEN>                                                                                199
<CHARGE-OFFS>                                                                                     1
<RECOVERIES>                                                                                      0
<ALLOWANCE-CLOSE>                                                                               223
<ALLOWANCE-DOMESTIC>                                                                            223
<ALLOWANCE-FOREIGN>                                                                               0
<ALLOWANCE-UNALLOCATED>                                                                           0


</TABLE>