<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 1,303 <INT-BEARING-DEPOSITS> 2,924 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 15,631 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 192,719 <ALLOWANCE> 846 <TOTAL-ASSETS> 217,518 <DEPOSITS> 160,411 <SHORT-TERM> 32,500 <LIABILITIES-OTHER> 2,917 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 219 <OTHER-SE> 21,471 <TOTAL-LIABILITIES-AND-EQUITY> 217,518 <INTEREST-LOAN> 10,870 <INTEREST-INVEST> 851 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 11,721 <INTEREST-DEPOSIT> 5,958 <INTEREST-EXPENSE> 1,056 <INTEREST-INCOME-NET> 4,707 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,689 <INCOME-PRETAX> 2,113 <INCOME-PRE-EXTRAORDINARY> 2,113 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,235 <EPS-BASIC> 0.98 <EPS-DILUTED> 0.96 <YIELD-ACTUAL> 3.10 <LOANS-NON> 179 <LOANS-PAST> 115 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 761 <ALLOWANCE-OPEN> 857 <CHARGE-OFFS> 31 <RECOVERIES> 20 <ALLOWANCE-CLOSE> 846 <ALLOWANCE-DOMESTIC> 846 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0