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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM " THE
CONSOLIDATED 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-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 3,732
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 100
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 53,607
<INVESTMENTS-CARRYING> 1,203
<INVESTMENTS-MARKET> 1,200
<LOANS> 125,671
<ALLOWANCE> 428
<TOTAL-ASSETS> 191,317
<DEPOSITS> 110,215
<SHORT-TERM> 32,075
<LIABILITIES-OTHER> 3,097
<LONG-TERM> 16,000
0
0
<COMMON> 21,544
<OTHER-SE> 8,386
<TOTAL-LIABILITIES-AND-EQUITY> 191,317
<INTEREST-LOAN> 6,712
<INTEREST-INVEST> 2,877
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 9,589
<INTEREST-DEPOSIT> 3,112
<INTEREST-EXPENSE> 5,101
<INTEREST-INCOME-NET> 4,488
<LOAN-LOSSES> 75
<SECURITIES-GAINS> 138
<EXPENSE-OTHER> 3,017
<INCOME-PRETAX> 1,795
<INCOME-PRE-EXTRAORDINARY> 1,795
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,108
<EPS-BASIC> 0.62
<EPS-DILUTED> 0.61
<YIELD-ACTUAL> 3.39
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 351
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 428
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 428
</TABLE>
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