<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> DEC-31-2000 <CASH> 55,301 <INT-BEARING-DEPOSITS> 400 <FED-FUNDS-SOLD> 100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,793 <INVESTMENTS-CARRYING> 34,708 <INVESTMENTS-MARKET> 34,458 <LOANS> 228,482 <ALLOWANCE> 2,607 <TOTAL-ASSETS> 355,635 <DEPOSITS> 324,976 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,719 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,788 <OTHER-SE> 16,152 <TOTAL-LIABILITIES-AND-EQUITY> 355,635 <INTEREST-LOAN> 6,808 <INTEREST-INVEST> 390 <INTEREST-OTHER> 349 <INTEREST-TOTAL> 7,547 <INTEREST-DEPOSIT> 2,935 <INTEREST-EXPENSE> 2,990 <INTEREST-INCOME-NET> 4,557 <LOAN-LOSSES> 50 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,018 <INCOME-PRETAX> (389) <INCOME-PRE-EXTRAORDINARY> (389) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (260) <EPS-BASIC> (.10) <EPS-DILUTED> (.10) <YIELD-ACTUAL> 5.88 <LOANS-NON> 1,851 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,663 <ALLOWANCE-OPEN> 2,610 <CHARGE-OFFS> 66 <RECOVERIES> 13 <ALLOWANCE-CLOSE> 2,607 <ALLOWANCE-DOMESTIC> 2,129 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 478