<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>                                                             3,081
<INT-BEARING-DEPOSITS>                                                 0
<FED-FUNDS-SOLD>                                                   3,820
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                       55,764
<INVESTMENTS-CARRYING>                                                 0
<INVESTMENTS-MARKET>                                                   0
<LOANS>                                                           90,735
<ALLOWANCE>                                                        1,016
<TOTAL-ASSETS>                                                   160,145
<DEPOSITS>                                                       145,278
<SHORT-TERM>                                                           0
<LIABILITIES-OTHER>                                                1,417
<LONG-TERM>                                                            0
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                          12,419
<OTHER-SE>                                                         1,031
<TOTAL-LIABILITIES-AND-EQUITY>                                   160,145
<INTEREST-LOAN>                                                    5,518
<INTEREST-INVEST>                                                  2,678
<INTEREST-OTHER>                                                     613
<INTEREST-TOTAL>                                                   8,809
<INTEREST-DEPOSIT>                                                 4,995
<INTEREST-EXPENSE>                                                 4,995
<INTEREST-INCOME-NET>                                              3,814
<LOAN-LOSSES>                                                        252
<SECURITIES-GAINS>                                                     0
<EXPENSE-OTHER>                                                    2,167
<INCOME-PRETAX>                                                    2,011
<INCOME-PRE-EXTRAORDINARY>                                         1,294
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                       1,294
<EPS-BASIC>                                                          .67
<EPS-DILUTED>                                                        .62
<YIELD-ACTUAL>                                                      3.28
<LOANS-NON>                                                           75
<LOANS-PAST>                                                           0
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                      498
<ALLOWANCE-OPEN>                                                     943
<CHARGE-OFFS>                                                        187
<RECOVERIES>                                                           8
<ALLOWANCE-CLOSE>                                                  1,016
<ALLOWANCE-DOMESTIC>                                               1,016
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                                0


</TABLE>