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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CURRENT
REPORT ON FORM 10Q FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2000 IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 8,273
<INT-BEARING-DEPOSITS> 2,837
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 69,624
<INVESTMENTS-CARRYING> 69,624
<INVESTMENTS-MARKET> 69,624
<LOANS> 251,930
<ALLOWANCE> 3,062
<TOTAL-ASSETS> 354,424
<DEPOSITS> 247,249
<SHORT-TERM> 44,522
<LIABILITIES-OTHER> 4,542
<LONG-TERM> 25,079
0
0
<COMMON> 28,002
<OTHER-SE> 1,476
<TOTAL-LIABILITIES-AND-EQUITY> 354,424
<INTEREST-LOAN> 15,165
<INTEREST-INVEST> 3,453
<INTEREST-OTHER> 90
<INTEREST-TOTAL> 18,708
<INTEREST-DEPOSIT> 7,755
<INTEREST-EXPENSE> 10,917
<INTEREST-INCOME-NET> 7,791
<LOAN-LOSSES> 1,376
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,050
<INCOME-PRETAX> 2,187
<INCOME-PRE-EXTRAORDINARY> 2,187
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,334
<EPS-BASIC> .81
<EPS-DILUTED> .81
<YIELD-ACTUAL> 7.83
<LOANS-NON> 2,041
<LOANS-PAST> 1,693
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,979
<CHARGE-OFFS> 304
<RECOVERIES> 11
<ALLOWANCE-CLOSE> 3,062
<ALLOWANCE-DOMESTIC> 3,062
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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