<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>                            1,000

                                     
<PERIOD-TYPE>                              9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                             339
<INT-BEARING-DEPOSITS>                              15
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,211
<INVESTMENTS-CARRYING>                           1,552
<INVESTMENTS-MARKET>                             1,494
<LOANS>                                         39,303
<ALLOWANCE>                                        302
<TOTAL-ASSETS>                                  58,073
<DEPOSITS>                                      46,017
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                439
<LONG-TERM>                                      5,600
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            71
<OTHER-SE>                                       5,945
<TOTAL-LIABILITIES-AND-EQUITY>                  58,073
<INTEREST-LOAN>                                  2,062
<INTEREST-INVEST>                                  859
<INTEREST-OTHER>                                    68
<INTEREST-TOTAL>                                 2,990
<INTEREST-DEPOSIT>                               1,371
<INTEREST-EXPENSE>                               1,768
<INTEREST-INCOME-NET>                            1,222
<LOAN-LOSSES>                                      115
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,187
<INCOME-PRETAX>                                    112
<INCOME-PRE-EXTRAORDINARY>                         112
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       112
<EPS-BASIC>                                        .16
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                    3.08
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   187
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  302
<ALLOWANCE-DOMESTIC>                               302
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0