<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> DEC-31-2000 <CASH> 4,909 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 25,905 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,370 <INVESTMENTS-CARRYING> 3,370 <INVESTMENTS-MARKET> 3,372 <LOANS> 57,727 <ALLOWANCE> 1,800 <TOTAL-ASSETS> 94,707 <DEPOSITS> 85,164 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,595 <LONG-TERM> 2,226 <PREFERRED-MANDATORY> 0 <PREFERRED> 2,303 <COMMON> 179 <OTHER-SE> 3,240 <TOTAL-LIABILITIES-AND-EQUITY> 94,707 <INTEREST-LOAN> 7,403 <INTEREST-INVEST> 1,954 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 9,357 <INTEREST-DEPOSIT> 1,414 <INTEREST-EXPENSE> 217 <INTEREST-INCOME-NET> 7,727 <LOAN-LOSSES> 308 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8,993 <INCOME-PRETAX> 549 <INCOME-PRE-EXTRAORDINARY> 549 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 379 <EPS-BASIC> 2.11 <EPS-DILUTED> 2.11 <YIELD-ACTUAL> 7.62 <LOANS-NON> 49 <LOANS-PAST> 367 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,996 <ALLOWANCE-OPEN> 1,800 <CHARGE-OFFS> 1,147 <RECOVERIES> 838 <ALLOWANCE-CLOSE> 1,800 <ALLOWANCE-DOMESTIC> 1,800 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0