<TABLE> <S> <C>

<ARTICLE>                                   9
<CURRENCY>                                  U.S.Dollars
<MULTIPLIER>                                1

<S>                                                 <C>
<PERIOD-TYPE>                                              9-MOS
<FISCAL-YEAR-END>                                    DEC-31-2000
<PERIOD-START>                                       JAN-01-2000
<PERIOD-END>                                         SEP-30-2000
<EXCHANGE-RATE>                                                1
<CASH>                                                 9,830,000
<INT-BEARING-DEPOSITS>                                         0
<FED-FUNDS-SOLD>                                       6,646,000
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                                    0
<INVESTMENTS-CARRYING>                                80,847,000
<INVESTMENTS-MARKET>                                  78,650,000
<LOANS>                                              221,141,000
<ALLOWANCE>                                            3,354,000
<TOTAL-ASSETS>                                       331,509,000
<DEPOSITS>                                           275,883,000
<SHORT-TERM>                                          14,724,000
<LIABILITIES-OTHER>                                    2,359,000
<LONG-TERM>                                            7,859,000
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                              18,575,000
<OTHER-SE>                                            12,109,000
<TOTAL-LIABILITIES-AND-EQUITY>                       331,509,000
<INTEREST-LOAN>                                       15,133,000
<INTEREST-INVEST>                                      3,753,000
<INTEREST-OTHER>                                         419,000
<INTEREST-TOTAL>                                      19,305,000
<INTEREST-DEPOSIT>                                     6,494,000
<INTEREST-EXPENSE>                                     1,651,000
<INTEREST-INCOME-NET>                                  8,145,000
<LOAN-LOSSES>                                            594,000
<SECURITIES-GAINS>                                             0
<EXPENSE-OTHER>                                        9,996,000
<INCOME-PRETAX>                                        2,107,000
<INCOME-PRE-EXTRAORDINARY>                             2,107,000
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                           1,192,000
<EPS-BASIC>                                                 0.14
<EPS-DILUTED>                                               0.14
<YIELD-ACTUAL>                                              8.78
<LOANS-NON>                                            2,440,000
<LOANS-PAST>                                             222,000
<LOANS-TROUBLED>                                               0
<LOANS-PROBLEM>                                        1,664,977
<ALLOWANCE-OPEN>                                       3,075,000
<CHARGE-OFFS>                                            404,000
<RECOVERIES>                                              89,000
<ALLOWANCE-CLOSE>                                      3,354,000
<ALLOWANCE-DOMESTIC>                                   3,354,000
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0




</TABLE>