<TABLE> <S> <C><ARTICLE>    9<LEGEND>    The schedule contains summary information extracted from thequarterly report on Form 10-QSB for the quarter ended June 30, 2000 and isqualified in its entirety by reference to such financial statements.<MULTIPLIER>    1,000<S>                                                      <C><PERIOD-TYPE>                                          9-MOS<PERIOD-START>                                   Jan-01-2000<FISCAL-YEAR-END>                                Dec-31-2000<PERIOD-END>                                     Sep-30-2000<TOTAL-ASSETS>                                       275,782<CASH>                                                 1,442<INT-BEARING-DEPOSITS>                                 7,074<FED-FUNDS-SOLD>                                           0<TRADING-ASSETS>                                           0<INVESTMENTS-HELD-FOR-SALE>                           12,193<INVESTMENTS-CARRYING>                                     0<INVESTMENTS-MARKET>                                       0<LOANS>                                              243,303<ALLOWANCE>                                            (993)<DEPOSITS>                                           186,383<SHORT-TERM>                                          66,558<LIABILITIES-OTHER>                                    1,508<LONG-TERM>                                               93<PREFERRED-MANDATORY>                                      0<PREFERRED>                                                0<COMMON>                                                  14<OTHER-SE>                                            21,226<TOTAL-LIABILITIES-AND-EQUITY>                       275,782<INTEREST-LOAN>                                       14,342<INTEREST-INVEST>                                        716<INTEREST-OTHER>                                         161<INTEREST-TOTAL>                                      15,219<INTEREST-DEPOSIT>                                     5,943<INTEREST-EXPENSE>                                     8,792<INTEREST-INCOME-NET>                                  6,427<LOAN-LOSSES>                                            108<SECURITIES-GAINS>                                         0<EXPENSE-OTHER>                                        4,790<INCOME-PRETAX>                                        2,475<INCOME-PRE-EXTRAORDINARY>                             2,475<EXTRAORDINARY>                                            0<CHANGES>                                                  0<NET-INCOME>                                           1,532<EPS-BASIC>                                             1.16<EPS-DILUTED>                                           1.14<YIELD-ACTUAL>                                          3.34<LOANS-NON>                                              431<LOANS-PAST>                                               0<LOANS-TROUBLED>                                           0<LOANS-PROBLEM>                                        1,189<ALLOWANCE-OPEN>                                       (894)<CHARGE-OFFS>                                              0<RECOVERIES>                                               0<ALLOWANCE-CLOSE>                                      (993)<ALLOWANCE-DOMESTIC>                                   (993)<ALLOWANCE-FOREIGN>                                        0<ALLOWANCE-UNALLOCATED>                                  225</TABLE>