<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-END> Sep-30-2000 <CASH> 6,713 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 24,915 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,295 <INVESTMENTS-CARRYING> 3,295 <INVESTMENTS-MARKET> 3,294 <LOANS> 59,202 <ALLOWANCE> 1,800 <TOTAL-ASSETS> 97,019 <DEPOSITS> 87,306 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,846 <LONG-TERM> 2,228 <PREFERRED-MANDATORY> 0 <PREFERRED> 2,303 <COMMON> 179 <OTHER-SE> 3,157 <TOTAL-LIABILITIES-AND-EQUITY> 97,019 <INTEREST-LOAN> 5,500 <INTEREST-INVEST> 124 <INTEREST-OTHER> 1,370 <INTEREST-TOTAL> 6,994 <INTEREST-DEPOSIT> 1,049 <INTEREST-EXPENSE> 157 <INTEREST-INCOME-NET> 5,788 <LOAN-LOSSES> 151 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,567 <INCOME-PRETAX> 530 <INCOME-PRE-EXTRAORDINARY> 530 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 329 <EPS-BASIC> $1.84 <EPS-DILUTED> 0 <YIELD-ACTUAL> 5.70 <LOANS-NON> 53 <LOANS-PAST> 393 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,254 <ALLOWANCE-OPEN> 1,800 <CHARGE-OFFS> 837 <RECOVERIES> 686 <ALLOWANCE-CLOSE> 1,800 <ALLOWANCE-DOMESTIC> 1,800 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0