
<TABLE> <S> <C>

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<MULTIPLIER>                  1,000

<S>                           <C>
<PERIOD-TYPE>                 3-MOS
<FISCAL-YEAR-END>                                      DEC-31-2000
<PERIOD-START>                                         JAN-01-2000
<PERIOD-END>                                           DEC-31-2000
<CASH>                                                       4,106
<INT-BEARING-DEPOSITS>                                         194
<FED-FUNDS-SOLD>                                                 0
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 44,530
<INVESTMENTS-CARRYING>                                           0
<INVESTMENTS-MARKET>                                             0
<LOANS>                                                    154,277
<ALLOWANCE>                                                  1,527
<TOTAL-ASSETS>                                             209,825
<DEPOSITS>                                                 152,682
<SHORT-TERM>                                                15,000
<LIABILITIES-OTHER>                                          1,201
<LONG-TERM>                                                 18,598
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                     3,971
<OTHER-SE>                                                  13,373
<TOTAL-LIABILITIES-AND-EQUITY>                             209,825
<INTEREST-LOAN>                                              3,271
<INTEREST-INVEST>                                              683
<INTEREST-OTHER>                                                 8
<INTEREST-TOTAL>                                             3,962
<INTEREST-DEPOSIT>                                           1,540
<INTEREST-EXPENSE>                                           2,056
<INTEREST-INCOME-NET>                                        1,906
<LOAN-LOSSES>                                                  123
<SECURITIES-GAINS>                                               0
<EXPENSE-OTHER>                                              1,416
<INCOME-PRETAX>                                                656
<INCOME-PRE-EXTRAORDINARY>                                     656
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                   440
<EPS-BASIC>                                                   0.55
<EPS-DILUTED>                                                 0.55
<YIELD-ACTUAL>                                                3.95
<LOANS-NON>                                                     57
<LOANS-PAST>                                                   180
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                981
<ALLOWANCE-OPEN>                                             1,447
<CHARGE-OFFS>                                                   53
<RECOVERIES>                                                    10
<ALLOWANCE-CLOSE>                                            1,527
<ALLOWANCE-DOMESTIC>                                         1,527
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>
