<TABLE> <S> <C>

<ARTICLE>                                           9
<MULTIPLIER>                                        1,000

<S>                                                 <C>
<PERIOD-TYPE>                                       YEAR
<FISCAL-YEAR-END>                                   DEC-31-2000
<PERIOD-END>                                        DEC-31-2000
<CASH>                                                         9,308
<INT-BEARING-DEPOSITS>                                           112
<FED-FUNDS-SOLD>                                               4,961
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   11,296
<INVESTMENTS-CARRYING>                                        16,036
<INVESTMENTS-MARKET>                                          16,078
<LOANS>                                                      182,028
<ALLOWANCE>                                                    2,761
<TOTAL-ASSETS>                                               243,461
<DEPOSITS>                                                   202,152
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            3,662
<LONG-TERM>                                                      630
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                       67
<COMMON>                                                          43
<OTHER-SE>                                                    19,426
<TOTAL-LIABILITIES-AND-EQUITY>                               202,152
<INTEREST-LOAN>                                               17,030
<INTEREST-INVEST>                                              1,655
<INTEREST-OTHER>                                                 452
<INTEREST-TOTAL>                                              19,137
<INTEREST-DEPOSIT>                                             6,832
<INTEREST-EXPENSE>                                             7,940
<INTEREST-INCOME-NET>                                         11,197
<LOAN-LOSSES>                                                    650
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                               10,844
<INCOME-PRETAX>                                                4,787
<INCOME-PRE-EXTRAORDINARY>                                     4,787
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   3,054
<EPS-BASIC>                                                   0.72
<EPS-DILUTED>                                                   0.69
<YIELD-ACTUAL>                                                  5.61
<LOANS-NON>                                                      586
<LOANS-PAST>                                                     107
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               2,341
<CHARGE-OFFS>                                                    314
<RECOVERIES>                                                      84
<ALLOWANCE-CLOSE>                                              2,761
<ALLOWANCE-DOMESTIC>                                           2,761
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            7


</TABLE>