<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance  Sheet  at  September  30,  2000,   (unaudited)  and  the
Consolidated  Statement of Income for the nine months ended  September  30, 2000
(unaudited)  and is qualified  in its  entirety by  reference to such  financial
statements.
</LEGEND>
<MULTIPLIER>                                                            1000

<S>                                                                     <C>
<PERIOD-TYPE>                                                             9-MOS
<FISCAL-YEAR-END>                                                   DEC-31-2000
<PERIOD-END>                                                        SEP-30-2000
<CASH>                                                                   11,959
<INT-BEARING-DEPOSITS>                                                    1,569
<FED-FUNDS-SOLD>                                                          6,328
<TRADING-ASSETS>                                                              0
<INVESTMENTS-HELD-FOR-SALE>                                              35,577
<INVESTMENTS-CARRYING>                                                   12,371
<INVESTMENTS-MARKET>                                                     11,972
<LOANS>                                                                 186,407
<ALLOWANCE>                                                               2,270
<TOTAL-ASSETS>                                                          259,844
<DEPOSITS>                                                              211,291
<SHORT-TERM>                                                              5,757
<LIABILITIES-OTHER>                                                       1,514
<LONG-TERM>                                                              19,050
<PREFERRED-MANDATORY>                                                         0
<PREFERRED>                                                                   0
<COMMON>                                                                 15,925
<OTHER-SE>                                                                6,307
<TOTAL-LIABILITIES-AND-EQUITY>                                          259,644
<INTEREST-LOAN>                                                          12,184
<INTEREST-INVEST>                                                         2,255
<INTEREST-OTHER>                                                            305
<INTEREST-TOTAL>                                                         14,744
<INTEREST-DEPOSIT>                                                        6,139
<INTEREST-EXPENSE>                                                        7,119
<INTEREST-INCOME-NET>                                                     7,625
<LOAN-LOSSES>                                                               490
<SECURITIES-GAINS>                                                            0
<EXPENSE-OTHER>                                                           4,852
<INCOME-PRETAX>                                                           3,632
<INCOME-PRE-EXTRAORDINARY>                                                3,632
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                              2,342
<EPS-BASIC>                                                                0.73
<EPS-DILUTED>                                                              0.73
<YIELD-ACTUAL>                                                             4.43
<LOANS-NON>                                                                 571
<LOANS-PAST>                                                                  4
<LOANS-TROUBLED>                                                              0
<LOANS-PROBLEM>                                                               0
<ALLOWANCE-OPEN>                                                          1,936
<CHARGE-OFFS>                                                               183
<RECOVERIES>                                                                 27
<ALLOWANCE-CLOSE>                                                         2,270
<ALLOWANCE-DOMESTIC>                                                      2,150
<ALLOWANCE-FOREIGN>                                                           0
<ALLOWANCE-UNALLOCATED>                                                       0


</TABLE>