<TABLE> <S> <C>

<ARTICLE>   9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE UNAUDITED
CONSOLIDATED BALANCE SHEET AND THE UNAUDITED CONSOLIDATED STATEMENT OF INCOME
FILED AS PART OF THE QUARTERLY REPORT ON FORM 10-Q 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>                                           10,101
<INT-BEARING-DEPOSITS>                              133
<FED-FUNDS-SOLD>                                  6,275
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      85,125
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         282,423
<ALLOWANCE>                                       2,619
<TOTAL-ASSETS>                                  410,968
<DEPOSITS>                                      354,568
<SHORT-TERM>                                     14,000
<LIABILITIES-OTHER>                               3,470
<LONG-TERM>                                      10,479
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                          3,250
<OTHER-SE>                                       25,201
<TOTAL-LIABILITIES-AND-EQUITY>                  410,968
<INTEREST-LOAN>                                  16,838
<INTEREST-INVEST>                                 4,199
<INTEREST-OTHER>                                    154
<INTEREST-TOTAL>                                 21,191
<INTEREST-DEPOSIT>                               11,048
<INTEREST-EXPENSE>                               12,051
<INTEREST-INCOME-NET>                             9,140
<LOAN-LOSSES>                                       445
<SECURITIES-GAINS>                                 (34)
<EXPENSE-OTHER>                                   9,076
<INCOME-PRETAX>                                   2,357
<INCOME-PRE-EXTRAORDINARY>                        1,774
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      1,774
<EPS-BASIC>                                        0.56
<EPS-DILUTED>                                      0.56
<YIELD-ACTUAL>                                     3.48
<LOANS-NON>                                       1,487
<LOANS-PAST>                                      2,687
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  2,491
<CHARGE-OFFS>                                       460
<RECOVERIES>                                        143
<ALLOWANCE-CLOSE>                                 2,619
<ALLOWANCE-DOMESTIC>                              2,619
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                             740


</TABLE>