<ARTICLE> 9 <MULTIPLIER> 1000 <CURRENCY> U.S.DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <EXCHANGE-RATE> 1 <CASH> 5,620 <INT-BEARING-DEPOSITS> 47,590 <FED-FUNDS-SOLD> 3,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 5,716 <INVESTMENTS-CARRYING> 16,497 <INVESTMENTS-MARKET> 16,306 <LOANS> 54,612 <ALLOWANCE> 1,116 <TOTAL-ASSETS> 89,747 <DEPOSITS> 77,384 <SHORT-TERM> 1,800 <LIABILITIES-OTHER> 695 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,675 <OTHER-SE> (3,807) <TOTAL-LIABILITIES-AND-EQUITY> 89,747 <INTEREST-LOAN> 3,675 <INTEREST-INVEST> 993 <INTEREST-OTHER> 278 <INTEREST-TOTAL> 4,946 <INTEREST-DEPOSIT> 1,568 <INTEREST-EXPENSE> 1,570 <INTEREST-INCOME-NET> 3,376 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,054 <INCOME-PRETAX> 650 <INCOME-PRE-EXTRAORDINARY> 650 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 659 <EPS-BASIC> .17 <EPS-DILUTED> .17 <YIELD-ACTUAL> 5.49 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 853 <CHARGE-OFFS> 36 <RECOVERIES> 209 <ALLOWANCE-CLOSE> 1,116 <ALLOWANCE-DOMESTIC> 1,116 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,116