<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  FINANCIAL  STATEMENTS  DATED DECEMBER 31, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               DEC-31-2000
<CASH>                                          10,909
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                10,115
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,560
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        112,085
<ALLOWANCE>                                      2,499
<TOTAL-ASSETS>                                 185,064
<DEPOSITS>                                     162,261
<SHORT-TERM>                                     4,588
<LIABILITIES-OTHER>                              1,761
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,338
<OTHER-SE>                                       7,116
<TOTAL-LIABILITIES-AND-EQUITY>                 185,064
<INTEREST-LOAN>                                 10,953
<INTEREST-INVEST>                                2,214
<INTEREST-OTHER>                                   329
<INTEREST-TOTAL>                                13,496
<INTEREST-DEPOSIT>                               4,151
<INTEREST-EXPENSE>                               4,613
<INTEREST-INCOME-NET>                            8,883
<LOAN-LOSSES>                                      216
<SECURITIES-GAINS>                                 149
<EXPENSE-OTHER>                                  9,855
<INCOME-PRETAX>                                  1,583
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,283
<EPS-BASIC>                                       0.85
<EPS-DILUTED>                                     0.83
<YIELD-ACTUAL>                                    5.75
<LOANS-NON>                                      5,655
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,580
<CHARGE-OFFS>                                      246
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                2,499
<ALLOWANCE-DOMESTIC>                             2,499
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,025





</TABLE>