<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 5884 <INT-BEARING-DEPOSITS> 8914 <FED-FUNDS-SOLD> 1086 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20 <INVESTMENTS-CARRYING> 2241 <INVESTMENTS-MARKET> 2235 <LOANS> 260369 <ALLOWANCE> 1474 <TOTAL-ASSETS> 292938 <DEPOSITS> 230430 <SHORT-TERM> 41255 <LIABILITIES-OTHER> 2468 <LONG-TERM> 19 <PREFERRED-MANDATORY> 0 <PREFERRED> 15008 <COMMON> 11 <OTHER-SE> 3747 <TOTAL-LIABILITIES-AND-EQUITY> 292938 <INTEREST-LOAN> 15550 <INTEREST-INVEST> 246 <INTEREST-OTHER> 528 <INTEREST-TOTAL> 16324 <INTEREST-DEPOSIT> 8206 <INTEREST-EXPENSE> 10597 <INTEREST-INCOME-NET> 5727 <LOAN-LOSSES> 390 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6563 <INCOME-PRETAX> 1051 <INCOME-PRE-EXTRAORDINARY> 771 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 771 <EPS-BASIC> (0.77) <EPS-DILUTED> (0.77) <YIELD-ACTUAL> 2.82 <LOANS-NON> 751 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1416 <ALLOWANCE-OPEN> 1697 <CHARGE-OFFS> 628 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1474 <ALLOWANCE-DOMESTIC> 1474 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0