<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 7,883 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 44,090 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 53,810 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 346,131 <ALLOWANCE> 3,326 <TOTAL-ASSETS> 471,072 <DEPOSITS> 408,927 <SHORT-TERM> 30,333 <LIABILITIES-OTHER> 7,591 <LONG-TERM> 1,500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 67 <OTHER-SE> 69 <TOTAL-LIABILITIES-AND-EQUITY> 471,072 <INTEREST-LOAN> 31,858 <INTEREST-INVEST> 2,399 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 34,257 <INTEREST-DEPOSIT> 19,806 <INTEREST-EXPENSE> 22,128 <INTEREST-INCOME-NET> 11,413 <LOAN-LOSSES> 716 <SECURITIES-GAINS> (1,025) <EXPENSE-OTHER> 3,855 <INCOME-PRETAX> (10,237) <INCOME-PRE-EXTRAORDINARY> (10,237) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (11,860) <EPS-BASIC> (1.78) <EPS-DILUTED> (1.78) <YIELD-ACTUAL> 4.76 <LOANS-NON> 10,712 <LOANS-PAST> 29 <LOANS-TROUBLED> 34 <LOANS-PROBLEM> 1,319 <ALLOWANCE-OPEN> 2,749 <CHARGE-OFFS> 151 <RECOVERIES> 12 <ALLOWANCE-CLOSE> 3,326 <ALLOWANCE-DOMESTIC> 3,326 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0