<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>                                                         8,356
<INT-BEARING-DEPOSITS>                                           447
<FED-FUNDS-SOLD>                                               2,679
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                    9,922
<INVESTMENTS-CARRYING>                                        16,366
<INVESTMENTS-MARKET>                                          16,089
<LOANS>                                                      172,407
<ALLOWANCE>                                                    2,755
<TOTAL-ASSETS>                                               228,945
<DEPOSITS>                                                   187,032
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            3,451
<LONG-TERM>                                                      630
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                      100
<COMMON>                                                          42
<OTHER-SE>                                                    18,684
<TOTAL-LIABILITIES-AND-EQUITY>                               228,945
<INTEREST-LOAN>                                               12,428
<INTEREST-INVEST>                                              1,223
<INTEREST-OTHER>                                                 402
<INTEREST-TOTAL>                                              14,053
<INTEREST-DEPOSIT>                                             4,989
<INTEREST-EXPENSE>                                             5,805
<INTEREST-INCOME-NET>                                          8,248
<LOAN-LOSSES>                                                    600
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                7,944
<INCOME-PRETAX>                                                3,523
<INCOME-PRE-EXTRAORDINARY>                                     3,523
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   2,228
<EPS-BASIC>                                                   0.53
<EPS-DILUTED>                                                   0.50
<YIELD-ACTUAL>                                                  5.57
<LOANS-NON>                                                      798
<LOANS-PAST>                                                       2
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               2,341
<CHARGE-OFFS>                                                    244
<RECOVERIES>                                                      58
<ALLOWANCE-CLOSE>                                              2,755
<ALLOWANCE-DOMESTIC>                                           2,755
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          346


</TABLE>