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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 2,060
<INT-BEARING-DEPOSITS> 60
<FED-FUNDS-SOLD> 65
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 90,145
<INVESTMENTS-CARRYING> 8,296
<INVESTMENTS-MARKET> 8,427
<LOANS> 125,667
<ALLOWANCE> 609
<TOTAL-ASSETS> 231,906
<DEPOSITS> 162,884
<SHORT-TERM> 20,650
<LIABILITIES-OTHER> 2,392
<LONG-TERM> 0
0
0
<COMMON> 40
<OTHER-SE> 45,940
<TOTAL-LIABILITIES-AND-EQUITY> 231,906
<INTEREST-LOAN> 6,751
<INTEREST-INVEST> 5,367
<INTEREST-OTHER> 28
<INTEREST-TOTAL> 12,146
<INTEREST-DEPOSIT> 5,826
<INTEREST-EXPENSE> 833
<INTEREST-INCOME-NET> 5,487
<LOAN-LOSSES> 331
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,499
<INCOME-PRETAX> 3,050
<INCOME-PRE-EXTRAORDINARY> 2,018
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,018
<EPS-BASIC> .505
<EPS-DILUTED> .505
<YIELD-ACTUAL> 3.42
<LOANS-NON> 0
<LOANS-PAST> 327
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 278
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 609
<ALLOWANCE-DOMESTIC> 609
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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