<TABLE> <S> <C>

<ARTICLE>   9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  BALANCE  SHEET  AS OF  SEPTEMBER  30,  2000  AND THE  CONSOLIDATED
STATEMENT OF INCOME FOR THREE MONTHS ENDED  SEPTEMBER  30, 2000 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                                            DEC-31-2000
<PERIOD-END>                                                 SEP-30-2000
<CASH>                                                             6,097
<INT-BEARING-DEPOSITS>                                               397
<FED-FUNDS-SOLD>                                                     200
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                      126,345
<INVESTMENTS-CARRYING>                                                 0
<INVESTMENTS-MARKET>                                                   0
<LOANS>                                                          167,441
<ALLOWANCE>                                                      (1,631)
<TOTAL-ASSETS>                                                   310,262
<DEPOSITS>                                                       197,127
<SHORT-TERM>                                                      21,000
<LIABILITIES-OTHER>                                                1,152
<LONG-TERM>                                                       51,100
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                             366
<OTHER-SE>                                                        39,517
<TOTAL-LIABILITIES-AND-EQUITY>                                   310,262
<INTEREST-LOAN>                                                    3,619
<INTEREST-INVEST>                                                  2,125
<INTEREST-OTHER>                                                       6
<INTEREST-TOTAL>                                                   5,750
<INTEREST-DEPOSIT>                                                 1,936
<INTEREST-EXPENSE>                                                 3,029
<INTEREST-INCOME-NET>                                              2,721
<LOAN-LOSSES>                                                         85
<SECURITIES-GAINS>                                                  (54)
<EXPENSE-OTHER>                                                    1,907
<INCOME-PRETAX>                                                      944
<INCOME-PRE-EXTRAORDINARY>                                           639
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                         639
<EPS-BASIC>                                                         0.20
<EPS-DILUTED>                                                       0.20
<YIELD-ACTUAL>                                                      3.67
<LOANS-NON>                                                          274
<LOANS-PAST>                                                           0
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                    2,289
<ALLOWANCE-OPEN>                                                   1,523
<CHARGE-OFFS>                                                        163
<RECOVERIES>                                                          36
<ALLOWANCE-CLOSE>                                                  1,631
<ALLOWANCE-DOMESTIC>                                               1,676
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                             (45)


</TABLE>