<TABLE> <S> <C>


<ARTICLE> 9
<LEGEND>
     This schedule contains summary financial information extracted from the
registrant's unaudited September 30, 2000 financial statements and is qualified
in its entirety by reference to such financial statements.
</LEGEND>


<S>                                                         <C>
<PERIOD-TYPE>                                                    9-MOS
<FISCAL-YEAR-END>                                            DEC-31-2000
<PERIOD-END>                                                 SEP-30-2000
<CASH>                                                        12,254,000
<INT-BEARING-DEPOSITS>                                         1,500,000
<FED-FUNDS-SOLD>                                               8,000,000
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                   22,560,000
<INVESTMENTS-CARRYING>                                        37,442,000
<INVESTMENTS-MARKET>                                          37,319,000
<LOANS>                                                      130,991,000
<ALLOWANCE>                                                    1,403,000
<TOTAL-ASSETS>                                               217,355,000
<DEPOSITS>                                                   194,289,000
<SHORT-TERM>                                                           0
<LIABILITIES-OTHER>                                            1,015,000
<LONG-TERM>                                                            0
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                      21,266,000
<OTHER-SE>                                                       785,000
<TOTAL-LIABILITIES-AND-EQUITY>                               217,355,000
<INTEREST-LOAN>                                                8,119,000
<INTEREST-INVEST>                                              3,077,000
<INTEREST-OTHER>                                                       0
<INTEREST-TOTAL>                                              11,196,000
<INTEREST-DEPOSIT>                                             3,029,000
<INTEREST-EXPENSE>                                             3,040,000
<INTEREST-INCOME-NET>                                          8,156,000
<LOAN-LOSSES>                                                    120,000
<SECURITIES-GAINS>                                                     0
<EXPENSE-OTHER>                                                3,525,000
<INCOME-PRETAX>                                                4,511,000
<INCOME-PRE-EXTRAORDINARY>                                     4,511,000
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                   2,912,000
<EPS-BASIC>                                                         1.00
<EPS-DILUTED>                                                       0.97
<YIELD-ACTUAL>                                                         0
<LOANS-NON>                                                       48,000
<LOANS-PAST>                                                     150,000
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                               1,310,000
<CHARGE-OFFS>                                                     29,000
<RECOVERIES>                                                       2,000
<ALLOWANCE-CLOSE>                                              1,403,000
<ALLOWANCE-DOMESTIC>                                           1,403,000
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                                0



</TABLE>