<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>                                            469
<INT-BEARING-DEPOSITS>                            896
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     3,849
<INVESTMENTS-CARRYING>                            899
<INVESTMENTS-MARKET>                              835
<LOANS>                                        47,418
<ALLOWANCE>                                       372
<TOTAL-ASSETS>                                 53,978
<DEPOSITS>                                     41,913
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                               917
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           77
<OTHER-SE>                                     11,071
<TOTAL-LIABILITIES-AND-EQUITY>                 53,978
<INTEREST-LOAN>                                 2,726
<INTEREST-INVEST>                                 231
<INTEREST-OTHER>                                   20
<INTEREST-TOTAL>                                2,977
<INTEREST-DEPOSIT>                              1,473
<INTEREST-EXPENSE>                                 19
<INTEREST-INCOME-NET>                           1,485
<LOAN-LOSSES>                                      27
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,008
<INCOME-PRETAX>                                   599
<INCOME-PRE-EXTRAORDINARY>                        599
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      378
<EPS-BASIC>                                       .65
<EPS-DILUTED>                                     .65
<YIELD-ACTUAL>                                   3.88
<LOANS-NON>                                       239
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  352
<CHARGE-OFFS>                                       7
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 372
<ALLOWANCE-DOMESTIC>                              372
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0