<TABLE> <S> <C>

<ARTICLE>           9
<LEGEND>


This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet at September  30, 2000 and the unaudited
Consolidated  Statement of Income for the nine months 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>                                                                  5,382
<INT-BEARING-DEPOSITS>                                                      5
<FED-FUNDS-SOLD>                                                       10,100
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                            10,072
<INVESTMENTS-CARRYING>                                                  3,375
<INVESTMENTS-MARKET>                                                    3,313
<LOANS>                                                                77,102
<ALLOWANCE>                                                             1,010
<TOTAL-ASSETS>                                                        110,360
<DEPOSITS>                                                             95,671
<SHORT-TERM>                                                            1,853
<LIABILITIES-OTHER>                                                     1,337
<LONG-TERM>                                                                 0
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                                4,586
<OTHER-SE>                                                              6,913
<TOTAL-LIABILITIES-AND-EQUITY>                                        110,360
<INTEREST-LOAN>                                                         5,345
<INTEREST-INVEST>                                                         462
<INTEREST-OTHER>                                                          304
<INTEREST-TOTAL>                                                        6,111
<INTEREST-DEPOSIT>                                                      3,318
<INTEREST-EXPENSE>                                                          0
<INTEREST-INCOME-NET>                                                   2,793
<LOAN-LOSSES>                                                             210
<SECURITIES-GAINS>                                                          0
<EXPENSE-OTHER>                                                         2,153
<INCOME-PRETAX>                                                           795
<INCOME-PRE-EXTRAORDINARY>                                                527
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                              527
<EPS-BASIC>                                                               .58
<EPS-DILUTED>                                                             .58
<YIELD-ACTUAL>                                                           4.38
<LOANS-NON>                                                               478
<LOANS-PAST>                                                              353
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                             0
<ALLOWANCE-OPEN>                                                          800
<CHARGE-OFFS>                                                               0
<RECOVERIES>                                                                0
<ALLOWANCE-CLOSE>                                                       1,010
<ALLOWANCE-DOMESTIC>                                                    1,010
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                     0


</TABLE>