<TABLE> <S> <C>

<ARTICLE>                                          9
<LEGEND>
The Consolidated balance sheets and consolidated statements of operations for
the quarter ended September 30, 2000
</LEGEND>
<MULTIPLIER>                                       1,000

<S>                                                <C>
<PERIOD-TYPE>                                      9-MOS
<FISCAL-YEAR-END>                                  DEC-31-2000
<PERIOD-END>                                       SEP-30-2000
<CASH>                                                      12,024
<INT-BEARING-DEPOSITS>                                           0
<FED-FUNDS-SOLD>                                            10,671
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                109,234
<INVESTMENTS-CARRYING>                                           0
<INVESTMENTS-MARKET>                                             0
<LOANS>                                                    212,864
<ALLOWANCE>                                                  3,001
<TOTAL-ASSETS>                                             374,264
<DEPOSITS>                                                 315,112
<SHORT-TERM>                                                22,724
<LIABILITIES-OTHER>                                          3,136
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                    25,804
<OTHER-SE>                                                   4,946
<TOTAL-LIABILITIES-AND-EQUITY>                             374,264
<INTEREST-LOAN>                                             14,542
<INTEREST-INVEST>                                            4,362
<INTEREST-OTHER>                                               618
<INTEREST-TOTAL>                                            19,522
<INTEREST-DEPOSIT>                                           7,488
<INTEREST-EXPENSE>                                           8,305
<INTEREST-INCOME-NET>                                       11,217
<LOAN-LOSSES>                                                  356
<SECURITIES-GAINS>                                               4
<EXPENSE-OTHER>                                             12,252
<INCOME-PRETAX>                                              2,122
<INCOME-PRE-EXTRAORDINARY>                                   1,499
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 1,499
<EPS-BASIC>                                                   0.29
<EPS-DILUTED>                                                 0.29
<YIELD-ACTUAL>                                                4.76
<LOANS-NON>                                                      0
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             2,645
<CHARGE-OFFS>                                                  158
<RECOVERIES>                                                    26
<ALLOWANCE-CLOSE>                                            3,001
<ALLOWANCE-DOMESTIC>                                             0
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>