<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       1,951,428
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,159
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,641,203
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     34,115,521
<ALLOWANCE>                                  (534,218)
<TOTAL-ASSETS>                              44,251,735
<DEPOSITS>                                  37,301,862
<SHORT-TERM>                                 3,344,294
<LIABILITIES-OTHER>                            460,138
<LONG-TERM>                                  1,526,116
<PREFERRED-MANDATORY>                           21,430
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                   1,350,228
<TOTAL-LIABILITIES-AND-EQUITY>              44,251,735
<INTEREST-LOAN>                              2,268,989
<INTEREST-INVEST>                              164,339
<INTEREST-OTHER>                                 1,375
<INTEREST-TOTAL>                             2,434,703
<INTEREST-DEPOSIT>                           1,369,308
<INTEREST-EXPENSE>                           1,475,377
<INTEREST-INCOME-NET>                          959,326
<LOAN-LOSSES>                                   88,500
<SECURITIES-GAINS>                              24,126
<EXPENSE-OTHER>                              3,205,244
<INCOME-PRETAX>                              (538,312)
<INCOME-PRE-EXTRAORDINARY>                   (538,312)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (542,606)
<EPS-BASIC>                                     (0.27)
<EPS-DILUTED>                                   (0.27)
<YIELD-ACTUAL>                                    3.58
<LOANS-NON>                                     72,647
<LOANS-PAST>                                   235,247
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                307,894
<ALLOWANCE-OPEN>                               532,585
<CHARGE-OFFS>                                  144,036
<RECOVERIES>                                    57,169
<ALLOWANCE-CLOSE>                              534,218
<ALLOWANCE-DOMESTIC>                           428,085
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        106,133