<TABLE> <S> <C>

<ARTICLE>                                                      9
<MULTIPLIER>                                                1000


<S>                                   <C>                    <C>
<PERIOD-TYPE>                         9-MOS                  12-MOS
<FISCAL-YEAR-END>                     DEC-31-2000            DEC-31-2000
<PERIOD-END>                          SEP-30-2000            SEP-30-2000
<CASH>                                          0                  9,709
<INT-BEARING-DEPOSITS>                          0                    263
<FED-FUNDS-SOLD>                                0                  9,400
<TRADING-ASSETS>                                0                      0
<INVESTMENTS-HELD-FOR-SALE>                     0                108,481
<INVESTMENTS-CARRYING>                          0                 15,623
<INVESTMENTS-MARKET>                            0                 15,851
<LOANS>                                         0                184,593
<ALLOWANCE>                                     0                  2,748
<TOTAL-ASSETS>                                  0                344,253
<DEPOSITS>                                      0                276,300
<SHORT-TERM>                                    0                  9,576
<LIABILITIES-OTHER>                             0                  2,207
<LONG-TERM>                                     0                 23,278
<PREFERRED-MANDATORY>                           0                      0
<PREFERRED>                                     0                      0
<COMMON>                                        0                  6,004
<OTHER-SE>                                      0                 26,888
<TOTAL-LIABILITIES-AND-EQUITY>                  0                344,253
<INTEREST-LOAN>                             3,901                 11,400
<INTEREST-INVEST>                           2,057                  5,957
<INTEREST-OTHER>                               70                    305
<INTEREST-TOTAL>                            6,028                 17,662
<INTEREST-DEPOSIT>                          2,648                  7,814
<INTEREST-EXPENSE>                          3,130                  8,872
<INTEREST-INCOME-NET>                       2,898                  8,790
<LOAN-LOSSES>                                  60                    159
<SECURITIES-GAINS>                              0                      0
<EXPENSE-OTHER>                             2,005                  5,785
<INCOME-PRETAX>                             1,400                  4,129
<INCOME-PRE-EXTRAORDINARY>                    944                  2,857
<EXTRAORDINARY>                                 0                      0
<CHANGES>                                       0                      0
<NET-INCOME>                                  944                  2,857
<EPS-BASIC>                                0.40                   1.20
<EPS-DILUTED>                                0.39                   1.18
<YIELD-ACTUAL>                                  0                   3.75
<LOANS-NON>                                     0                    935
<LOANS-PAST>                                    0                    111
<LOANS-TROUBLED>                                0                      0
<LOANS-PROBLEM>                                 0                      0
<ALLOWANCE-OPEN>                                0                  2,697
<CHARGE-OFFS>                                   0                    167
<RECOVERIES>                                    0                     59
<ALLOWANCE-CLOSE>                               0                  2,748
<ALLOWANCE-DOMESTIC>                            0                  2,163
<ALLOWANCE-FOREIGN>                             0                      0
<ALLOWANCE-UNALLOCATED>                         0                    585



</TABLE>