<TABLE> <S> <C>

<ARTICLE>                           9
<LEGEND>
This schedule of financial information is extracted from the September 30, 2000
10-Q and is qualified in its entirety by reference to such 10-Q
</LEGEND>
<CIK>                                                               0000796534
<NAME>                              J. Robert Buchanan C.F.O. 540-951-6283
<MULTIPLIER>                                                             1,000

<S>                                 <C>
<PERIOD-TYPE>                       9-MOS
<FISCAL-YEAR-END>                   DEC-31-2000
<PERIOD-END>                        Sep-30-2000
<CASH>                                                                   9,301
<INT-BEARING-DEPOSITS>                                                  18,003
<FED-FUNDS-SOLD>                                                           100
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                            120,190
<INVESTMENTS-CARRYING>                                                  21,138
<INVESTMENTS-MARKET>                                                    21,010
<LOANS>                                                                316,388
<ALLOWANCE>                                                              3,732
<TOTAL-ASSETS>                                                         498,897
<DEPOSITS>                                                             429,272
<SHORT-TERM>                                                            10,198
<LIABILITIES-OTHER>                                                      1,858
<LONG-TERM>                                                                  0
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                 8,780
<OTHER-SE>                                                              48,789
<TOTAL-LIABILITIES-AND-EQUITY>                                         498,897
<INTEREST-LOAN>                                                         20,545
<INTEREST-INVEST>                                                        6,674
<INTEREST-OTHER>                                                           497
<INTEREST-TOTAL>                                                        27,716
<INTEREST-DEPOSIT>                                                      12,185
<INTEREST-EXPENSE>                                                      12,710
<INTEREST-INCOME-NET>                                                   15,006
<LOAN-LOSSES>                                                              997
<SECURITIES-GAINS>                                                           5
<EXPENSE-OTHER>                                                          9,376
<INCOME-PRETAX>                                                          7,496
<INCOME-PRE-EXTRAORDINARY>                                               7,496
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             5,472
<EPS-BASIC>                                                               1.56
<EPS-DILUTED>                                                             1.56
<YIELD-ACTUAL>                                                               0
<LOANS-NON>                                                                  0
<LOANS-PAST>                                                                 0
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                             0
<CHARGE-OFFS>                                                                0
<RECOVERIES>                                                                 0
<ALLOWANCE-CLOSE>                                                            0
<ALLOWANCE-DOMESTIC>                                                         0
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0


</TABLE>