<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule  contains summary  financial  information  extracted from the Form
10-Q for the quarter  ended  September 30, 2000 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-END>                                      SEP-30-2000
<CASH>                                                  1,448
<INT-BEARING-DEPOSITS>                                    886
<FED-FUNDS-SOLD>                                           76
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                            31,807
<INVESTMENTS-CARRYING>                                 78,606
<INVESTMENTS-MARKET>                                   76,216
<LOANS>                                               270,035
<ALLOWANCE>                                             2,497
<TOTAL-ASSETS>                                        394,739
<DEPOSITS>                                            249,328
<SHORT-TERM>                                           26,650
<LIABILITIES-OTHER>                                     3,644
<LONG-TERM>                                            34,000
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                                   64
<OTHER-SE>                                             81,053
<TOTAL-LIABILITIES-AND-EQUITY>                        394,739
<INTEREST-LOAN>                                        15,702
<INTEREST-INVEST>                                       5,358
<INTEREST-OTHER>                                          210
<INTEREST-TOTAL>                                       21,270
<INTEREST-DEPOSIT>                                      7,982
<INTEREST-EXPENSE>                                     10,393
<INTEREST-INCOME-NET>                                  10,877
<LOAN-LOSSES>                                             185
<SECURITIES-GAINS>                                        (43)
<EXPENSE-OTHER>                                         4,508
<INCOME-PRETAX>                                         6,653
<INCOME-PRE-EXTRAORDINARY>                              6,653
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                            4,399
<EPS-BASIC>                                            0.93
<EPS-DILUTED>                                            0.93
<YIELD-ACTUAL>                                           3.80
<LOANS-NON>                                                 0
<LOANS-PAST>                                            1,366
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                        2,436
<CHARGE-OFFS>                                               0
<RECOVERIES>                                                0
<ALLOWANCE-CLOSE>                                       2,497
<ALLOWANCE-DOMESTIC>                                    2,497
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                   840



</TABLE>