<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated   Balance  Sheet  at  September  30,  2000,   (unaudited)  and  the
Consolidated  Statement of Income for the three months ended  September 30, 2000
(unaudited)  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>                                                   1,330
<INT-BEARING-DEPOSITS>                                 169,320
<FED-FUNDS-SOLD>                                         3,290
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             33,125
<INVESTMENTS-CARRYING>                                   3,671
<INVESTMENTS-MARKET>                                     3,689
<LOANS>                                                186,232
<ALLOWANCE>                                              1,967
<TOTAL-ASSETS>                                         245,704
<DEPOSITS>                                             199,673
<SHORT-TERM>                                            17,138
<LIABILITIES-OTHER>                                        398
<LONG-TERM>                                                  0
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                 5,038
<OTHER-SE>                                              18,844
<TOTAL-LIABILITIES-AND-EQUITY>                         245,704
<INTEREST-LOAN>                                         11,763
<INTEREST-INVEST>                                        2,048
<INTEREST-OTHER>                                             0
<INTEREST-TOTAL>                                        13,811
<INTEREST-DEPOSIT>                                       5,935
<INTEREST-EXPENSE>                                       6,680
<INTEREST-INCOME-NET>                                    7,131
<LOAN-LOSSES>                                              498
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                          5,746
<INCOME-PRETAX>                                          2,744
<INCOME-PRE-EXTRAORDINARY>                               2,744
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             1,804
<EPS-BASIC>                                               0.60
<EPS-DILUTED>                                             0.57
<YIELD-ACTUAL>                                            4.38
<LOANS-NON>                                              1,073
<LOANS-PAST>                                                 0
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         1,581
<CHARGE-OFFS>                                              120
<RECOVERIES>                                                 8
<ALLOWANCE-CLOSE>                                        1,967
<ALLOWANCE-DOMESTIC>                                     1,967
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0


</TABLE>