<TABLE> <S> <C>

<ARTICLE>                                    9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS FOUND IN THE COMPANY'S FORM 10-Q FOR
THE  YEAR TO DATE  PERIOD  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-START>                               JAN-01-2000
<PERIOD-END>                                 SEP-30-2000
 <CASH>                                           18,833
 <INT-BEARING-DEPOSITS>                                0
 <FED-FUNDS-SOLD>                                     97
 <TRADING-ASSETS>                                      0
 <INVESTMENTS-HELD-FOR-SALE>                      38,853
 <INVESTMENTS-CARRYING>                           32,910
 <INVESTMENTS-MARKET>                             32,197
 <LOANS>                                         337,436
 <ALLOWANCE>                                       8,064
 <TOTAL-ASSETS>                                  436,768
 <DEPOSITS>                                      390,579
 <SHORT-TERM>                                      3,844
 <LIABILITIES-OTHER>                               8,633
 <LONG-TERM>                                           0
 <PREFERRED-MANDATORY>                                 0
 <PREFERRED>                                           0
 <COMMON>                                         14,551
 <OTHER-SE>                                       19,161
 <TOTAL-LIABILITIES-AND-EQUITY>                  436,768
 <INTEREST-LOAN>                                  21,964
 <INTEREST-INVEST>                                 3,753
 <INTEREST-OTHER>                                    271
 <INTEREST-TOTAL>                                 25,988
 <INTEREST-DEPOSIT>                               10,236
 <INTEREST-EXPENSE>                               10,497
 <INTEREST-INCOME-NET>                            15,491
 <LOAN-LOSSES>                                       150
 <SECURITIES-GAINS>                                 (124)
 <EXPENSE-OTHER>                                  11,791
 <INCOME-PRETAX>                                   7,985
 <INCOME-PRE-EXTRAORDINARY>                        4,747
 <EXTRAORDINARY>                                       0
 <CHANGES>                                             0
 <NET-INCOME>                                      4,747
 <EPS-BASIC>                                        1.52
 <EPS-DILUTED>                                      1.50
 <YIELD-ACTUAL>                                     5.07
 <LOANS-NON>                                       1,136
 <LOANS-PAST>                                          0
 <LOANS-TROUBLED>                                    300
 <LOANS-PROBLEM>                                     701
 <ALLOWANCE-OPEN>                                  7,931
 <CHARGE-OFFS>                                       265
 <RECOVERIES>                                        248
 <ALLOWANCE-CLOSE>                                 8,064
 <ALLOWANCE-DOMESTIC>                              6,422
 <ALLOWANCE-FOREIGN>                                   0
 <ALLOWANCE-UNALLOCATED>                           1,642


</TABLE>