<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS
FOUND ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE,
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                           9,243
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     85,727
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        291,779
<ALLOWANCE>                                      3,386
<TOTAL-ASSETS>                                 404,853
<DEPOSITS>                                     364,401
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,048
<LONG-TERM>                                         37
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           655
<OTHER-SE>                                      35,712
<TOTAL-LIABILITIES-AND-EQUITY>                 404,853
<INTEREST-LOAN>                                 17,900
<INTEREST-INVEST>                                4,049
<INTEREST-OTHER>                                    41
<INTEREST-TOTAL>                                21,990
<INTEREST-DEPOSIT>                              11,129
<INTEREST-EXPENSE>                              11,281
<INTEREST-INCOME-NET>                           10,709
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 173
<EXPENSE-OTHER>                                  8,065
<INCOME-PRETAX>                                  4,026
<INCOME-PRE-EXTRAORDINARY>                       4,026
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,190
<EPS-BASIC>                                       1.60
<EPS-DILUTED>                                     1.60
<YIELD-ACTUAL>                                    7.97
<LOANS-NON>                                      2,416
<LOANS-PAST>                                       990
<LOANS-TROUBLED>                                   128
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,799
<CHARGE-OFFS>                                      805
<RECOVERIES>                                        92
<ALLOWANCE-CLOSE>                                3,386
<ALLOWANCE-DOMESTIC>                             3,386
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            632


</TABLE>