<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Form
10-Q for the quarter ended September 30, 2000 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-END> SEP-30-2000
<CASH> 1,448
<INT-BEARING-DEPOSITS> 886
<FED-FUNDS-SOLD> 76
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 31,807
<INVESTMENTS-CARRYING> 78,606
<INVESTMENTS-MARKET> 76,216
<LOANS> 270,035
<ALLOWANCE> 2,497
<TOTAL-ASSETS> 394,739
<DEPOSITS> 249,328
<SHORT-TERM> 26,650
<LIABILITIES-OTHER> 3,644
<LONG-TERM> 34,000
0
0
<COMMON> 64
<OTHER-SE> 81,053
<TOTAL-LIABILITIES-AND-EQUITY> 394,739
<INTEREST-LOAN> 15,702
<INTEREST-INVEST> 5,358
<INTEREST-OTHER> 210
<INTEREST-TOTAL> 21,270
<INTEREST-DEPOSIT> 7,982
<INTEREST-EXPENSE> 10,393
<INTEREST-INCOME-NET> 10,877
<LOAN-LOSSES> 185
<SECURITIES-GAINS> (43)
<EXPENSE-OTHER> 4,508
<INCOME-PRETAX> 6,653
<INCOME-PRE-EXTRAORDINARY> 6,653
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,399
<EPS-BASIC> 0.93
<EPS-DILUTED> 0.93
<YIELD-ACTUAL> 3.80
<LOANS-NON> 0
<LOANS-PAST> 1,366
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,436
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 2,497
<ALLOWANCE-DOMESTIC> 2,497
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 840
</TABLE>