<TABLE> <S> <C>



<ARTICLE>                     9
<LEGEND>
     This schedule contains summary information extracted from the registrant's
unaudited September 30, 2000 interim financial statements and is qualified in
its entirety by reference to such financial statements.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       8,667,000
<INT-BEARING-DEPOSITS>                         505,000
<FED-FUNDS-SOLD>                             5,225,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 17,640,000
<INVESTMENTS-CARRYING>                      22,335,000
<INVESTMENTS-MARKET>                        22,054,000
<LOANS>                                    163,098,000
<ALLOWANCE>                                  2,123,000
<TOTAL-ASSETS>                             222,722,000
<DEPOSITS>                                 202,272,000
<SHORT-TERM>                                 1,459,000
<LIABILITIES-OTHER>                          1,648,000
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                     1,721,812
<OTHER-SE>                                  17,343,000
<TOTAL-LIABILITIES-AND-EQUITY>             222,722,000
<INTEREST-LOAN>                              9,774,000
<INTEREST-INVEST>                            1,703,000
<INTEREST-OTHER>                               425,000
<INTEREST-TOTAL>                            11,902,000
<INTEREST-DEPOSIT>                           4,202,000
<INTEREST-EXPENSE>                           4,253,000
<INTEREST-INCOME-NET>                        7,649,000
<LOAN-LOSSES>                                  300,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              5,619,000
<INCOME-PRETAX>                              2,666,000
<INCOME-PRE-EXTRAORDINARY>                   2,666,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,765,000
<EPS-BASIC>                                       1.03
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    5.19
<LOANS-NON>                                    765,000
<LOANS-PAST>                                   129,000
<LOANS-TROUBLED>                                21,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,874,000
<CHARGE-OFFS>                                   56,000
<RECOVERIES>                                     5,000
<ALLOWANCE-CLOSE>                            2,123,000
<ALLOWANCE-DOMESTIC>                         2,123,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>



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