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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's unaudited September 30, 2000 financial statements and is qualified
in its entirety by reference to such financial statements.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 12,254,000
<INT-BEARING-DEPOSITS> 1,500,000
<FED-FUNDS-SOLD> 8,000,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 22,560,000
<INVESTMENTS-CARRYING> 37,442,000
<INVESTMENTS-MARKET> 37,319,000
<LOANS> 130,991,000
<ALLOWANCE> 1,403,000
<TOTAL-ASSETS> 217,355,000
<DEPOSITS> 194,289,000
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,015,000
<LONG-TERM> 0
0
0
<COMMON> 21,266,000
<OTHER-SE> 785,000
<TOTAL-LIABILITIES-AND-EQUITY> 217,355,000
<INTEREST-LOAN> 8,119,000
<INTEREST-INVEST> 3,077,000
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 11,196,000
<INTEREST-DEPOSIT> 3,029,000
<INTEREST-EXPENSE> 3,040,000
<INTEREST-INCOME-NET> 8,156,000
<LOAN-LOSSES> 120,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,525,000
<INCOME-PRETAX> 4,511,000
<INCOME-PRE-EXTRAORDINARY> 4,511,000
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,912,000
<EPS-BASIC> 1.00
<EPS-DILUTED> 0.97
<YIELD-ACTUAL> 0
<LOANS-NON> 48,000
<LOANS-PAST> 150,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,310,000
<CHARGE-OFFS> 29,000
<RECOVERIES> 2,000
<ALLOWANCE-CLOSE> 1,403,000
<ALLOWANCE-DOMESTIC> 1,403,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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