<TABLE> <S> <C>



<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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>                                          13,455
<INT-BEARING-DEPOSITS>                          11,371
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,572
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        205,483
<ALLOWANCE>                                      2,624
<TOTAL-ASSETS>                                 243,939
<DEPOSITS>                                     203,452
<SHORT-TERM>                                     2,100
<LIABILITIES-OTHER>                              1,115
<LONG-TERM>                                     16,318
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,850
<OTHER-SE>                                       7,104
<TOTAL-LIABILITIES-AND-EQUITY>                 243,939
<INTEREST-LOAN>                                 12,610
<INTEREST-INVEST>                                  418
<INTEREST-OTHER>                                   583
<INTEREST-TOTAL>                                13,611
<INTEREST-DEPOSIT>                               6,053
<INTEREST-EXPENSE>                               6,715
<INTEREST-INCOME-NET>                            6,896
<LOAN-LOSSES>                                      307
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,605
<INCOME-PRETAX>                                  3,360
<INCOME-PRE-EXTRAORDINARY>                       2,210
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,210
<EPS-BASIC>                                       1.66
<EPS-DILUTED>                                     1.56
<YIELD-ACTUAL>                                    4.33
<LOANS-NON>                                         52
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    437
<ALLOWANCE-OPEN>                                 2,550
<CHARGE-OFFS>                                      253
<RECOVERIES>                                        20
<ALLOWANCE-CLOSE>                                2,624
<ALLOWANCE-DOMESTIC>                             2,282
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            342


</TABLE>