<TABLE> <S> <C>

<ARTICLE>                                        9
<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>                                                                                          2,471
<INT-BEARING-DEPOSITS>                                                                             17
<FED-FUNDS-SOLD>                                                                                5,230
<TRADING-ASSETS>                                                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                                                     9,571
<INVESTMENTS-CARRYING>                                                                            689
<INVESTMENTS-MARKET>                                                                              635
<LOANS>                                                                                        71,778
<ALLOWANCE>                                                                                       770
<TOTAL-ASSETS>                                                                                 93,369
<DEPOSITS>                                                                                     84,131
<SHORT-TERM>                                                                                        0
<LIABILITIES-OTHER>                                                                               594
<LONG-TERM>                                                                                       129
<PREFERRED-MANDATORY>                                                                               0
<PREFERRED>                                                                                         0
<COMMON>                                                                                        4,491
<OTHER-SE>                                                                                      4,337
<TOTAL-LIABILITIES-AND-EQUITY>                                                                 93,369
<INTEREST-LOAN>                                                                                 4,898
<INTEREST-INVEST>                                                                                 366
<INTEREST-OTHER>                                                                                  196
<INTEREST-TOTAL>                                                                                5,460
<INTEREST-DEPOSIT>                                                                              2,617
<INTEREST-EXPENSE>                                                                              2,624
<INTEREST-INCOME-NET>                                                                           2,836
<LOAN-LOSSES>                                                                                     900
<SECURITIES-GAINS>                                                                                 20
<EXPENSE-OTHER>                                                                                 2,733
<INCOME-PRETAX>                                                                                 (467)
<INCOME-PRE-EXTRAORDINARY>                                                                      (467)
<EXTRAORDINARY>                                                                                     0
<CHANGES>                                                                                           0
<NET-INCOME>                                                                                    (291)
<EPS-BASIC>                                                                                    (0.21)
<EPS-DILUTED>                                                                                  (0.21)
<YIELD-ACTUAL>                                                                                   4.50
<LOANS-NON>                                                                                     1,116
<LOANS-PAST>                                                                                      247
<LOANS-TROUBLED>                                                                                    0
<LOANS-PROBLEM>                                                                                   566
<ALLOWANCE-OPEN>                                                                                  401
<CHARGE-OFFS>                                                                                     616
<RECOVERIES>                                                                                       85
<ALLOWANCE-CLOSE>                                                                                 770
<ALLOWANCE-DOMESTIC>                                                                              770
<ALLOWANCE-FOREIGN>                                                                                 0
<ALLOWANCE-UNALLOCATED>                                                                             0


</TABLE>