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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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> 17,786
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 5,450
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 103,055
<INVESTMENTS-CARRYING> 32,035
<INVESTMENTS-MARKET> 31,683
<LOANS> 328,117
<ALLOWANCE> 3,166
<TOTAL-ASSETS> 498,241
<DEPOSITS> 422,498
<SHORT-TERM> 27,000
<LIABILITIES-OTHER> 2,033
<LONG-TERM> 3,625
0
0
<COMMON> 3,779
<OTHER-SE> 39,306
<TOTAL-LIABILITIES-AND-EQUITY> 498,241
<INTEREST-LOAN> 19,849
<INTEREST-INVEST> 6,214
<INTEREST-OTHER> 142
<INTEREST-TOTAL> 26,205
<INTEREST-DEPOSIT> 12,966
<INTEREST-EXPENSE> 14,038
<INTEREST-INCOME-NET> 12,167
<LOAN-LOSSES> 602
<SECURITIES-GAINS> (21)
<EXPENSE-OTHER> 9,693
<INCOME-PRETAX> 5,221
<INCOME-PRE-EXTRAORDINARY> 3,570
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,570
<EPS-BASIC> .85
<EPS-DILUTED> .85
<YIELD-ACTUAL> 3.71
<LOANS-NON> 1,627
<LOANS-PAST> 104
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,793
<CHARGE-OFFS> 331
<RECOVERIES> 102
<ALLOWANCE-CLOSE> 3,166
<ALLOWANCE-DOMESTIC> 2,284
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 882
</TABLE>
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