<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>                                            14,316
<INT-BEARING-DEPOSITS>                             1,491
<FED-FUNDS-SOLD>                                   4,532
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       17,264
<INVESTMENTS-CARRYING>                             1,233
<INVESTMENTS-MARKET>                               1,248
<LOANS>                                          206,417
<ALLOWANCE>                                        2,257
<TOTAL-ASSETS>                                   256,020
<DEPOSITS>                                       213,329
<SHORT-TERM>                                      20,000
<LIABILITIES-OTHER>                                  855
<LONG-TERM>                                          855
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                           2,452
<OTHER-SE>                                        12,137
<TOTAL-LIABILITIES-AND-EQUITY>                   256,276
<INTEREST-LOAN>                                   15,158
<INTEREST-INVEST>                                  1,721
<INTEREST-OTHER>                                       0
<INTEREST-TOTAL>                                   7,379
<INTEREST-DEPOSIT>                                 7,783
<INTEREST-EXPENSE>                                 9,500
<INTEREST-INCOME-NET>                              7,379
<LOAN-LOSSES>                                      1,355
<SECURITIES-GAINS>                                   (76)
<EXPENSE-OTHER>                                    6,239
<INCOME-PRETAX>                                      900
<INCOME-PRE-EXTRAORDINARY>                           900
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         594
<EPS-BASIC>                                          .30
<EPS-DILUTED>                                        .30
<YIELD-ACTUAL>                                      9.03
<LOANS-NON>                                          346
<LOANS-PAST>                                       1,587
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                    6,407
<ALLOWANCE-OPEN>                                   1,303
<CHARGE-OFFS>                                        423
<RECOVERIES>                                          22
<ALLOWANCE-CLOSE>                                  2,257
<ALLOWANCE-DOMESTIC>                               2,257
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0



</TABLE>