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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 9,925
<INT-BEARING-DEPOSITS> 83
<FED-FUNDS-SOLD> 2,350
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 78,917
<INVESTMENTS-CARRYING> 7,482
<INVESTMENTS-MARKET> 7,642
<LOANS> 214,760
<ALLOWANCE> 3,334
<TOTAL-ASSETS> 325,566
<DEPOSITS> 248,389
<SHORT-TERM> 9,202
<LIABILITIES-OTHER> 5,757
<LONG-TERM> 33,000
0
0
<COMMON> 180
<OTHER-SE> 29,038
<TOTAL-LIABILITIES-AND-EQUITY> 325,566
<INTEREST-LOAN> 13,451
<INTEREST-INVEST> 4,301
<INTEREST-OTHER> 14
<INTEREST-TOTAL> 17,766
<INTEREST-DEPOSIT> 6,188
<INTEREST-EXPENSE> 8,010
<INTEREST-INCOME-NET> 9,756
<LOAN-LOSSES> 335
<SECURITIES-GAINS> 2
<EXPENSE-OTHER> 7,343
<INCOME-PRETAX> 3,956
<INCOME-PRE-EXTRAORDINARY> 3,956
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,851
<EPS-BASIC> 1.71
<EPS-DILUTED> 1.70
<YIELD-ACTUAL> 4.47
<LOANS-NON> 556
<LOANS-PAST> 19
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,344
<CHARGE-OFFS> 537
<RECOVERIES> 192
<ALLOWANCE-CLOSE> 3,334
<ALLOWANCE-DOMESTIC> 3,334
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 868
</TABLE>
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