<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JUL-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 1,238 <INT-BEARING-DEPOSITS> 160 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 51,766 <INVESTMENTS-CARRYING> 11,639 <INVESTMENTS-MARKET> 11,504 <LOANS> 196,247 <ALLOWANCE> 1,032 <TOTAL-ASSETS> 269,797 <DEPOSITS> 186,001 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,203 <LONG-TERM> 62,162 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 20,431 <TOTAL-LIABILITIES-AND-EQUITY> 269,797 <INTEREST-LOAN> 3,699 <INTEREST-INVEST> 1,124 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 4,823 <INTEREST-DEPOSIT> 2,384 <INTEREST-EXPENSE> 3,340 <INTEREST-INCOME-NET> 1,483 <LOAN-LOSSES> 19 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,159 <INCOME-PRETAX> 485 <INCOME-PRE-EXTRAORDINARY> 485 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 329 <EPS-BASIC> 0.20 <EPS-DILUTED> 0.20 <YIELD-ACTUAL> 2.46 <LOANS-NON> 260 <LOANS-PAST> 1,576 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 285 <ALLOWANCE-OPEN> 977 <CHARGE-OFFS> 1 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,032 <ALLOWANCE-DOMESTIC> 266 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 766