<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM 10-QSB FOR THE COMPANY FOR THE PERIOD ENDED  SEPTEMBER
30,  2000  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO THE  FINANCIAL
STATEMENTS AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                            DEC-31-2000
<PERIOD-END>                                 SEP-30-2000
<CASH>                                             8,779
<INT-BEARING-DEPOSITS>                                 0
<FED-FUNDS-SOLD>                                  31,809
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                        9,396
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                          140,411
<ALLOWANCE>                                        1,678
<TOTAL-ASSETS>                                   206,392
<DEPOSITS>                                       154,064
<SHORT-TERM>                                       8,684
<LIABILITIES-OTHER>                                8,406
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                              1,411
<PREFERRED>                                            0
<COMMON>                                           4,246
<OTHER-SE>                                        29,581
<TOTAL-LIABILITIES-AND-EQUITY>                   206,392
<INTEREST-LOAN>                                    5,810
<INTEREST-INVEST>                                    243
<INTEREST-OTHER>                                   1,009
<INTEREST-TOTAL>                                   7,062
<INTEREST-DEPOSIT>                                 2,629
<INTEREST-EXPENSE>                                 2,937
<INTEREST-INCOME-NET>                              4,125
<LOAN-LOSSES>                                        531
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                    8,055
<INCOME-PRETAX>                                   (2,807)
<INCOME-PRE-EXTRAORDINARY>                        (2,807)
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      (2,807)
<EPS-BASIC>                                        (0.67)
<EPS-DILUTED>                                      (0.67)
<YIELD-ACTUAL>                                      8.12
<LOANS-NON>                                          654
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     726
<CHARGE-OFFS>                                          0
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                  1,678
<ALLOWANCE-DOMESTIC>                               1,678
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                              168



</TABLE>