<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          10,719
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                13,373
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     82,269
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        209,428
<ALLOWANCE>                                      2,095
<TOTAL-ASSETS>                                 332,723
<DEPOSITS>                                     290,606
<SHORT-TERM>                                    11,000
<LIABILITIES-OTHER>                              2,492
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                         2,093
<OTHER-SE>                                      26,532
<TOTAL-LIABILITIES-AND-EQUITY>                 332,723
<INTEREST-LOAN>                                 13,639
<INTEREST-INVEST>                                3,793
<INTEREST-OTHER>                                   523
<INTEREST-TOTAL>                                17,955
<INTEREST-DEPOSIT>                               7,173
<INTEREST-EXPENSE>                                 532
<INTEREST-INCOME-NET>                            7,705
<LOAN-LOSSES>                                      864
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,968
<INCOME-PRETAX>                                  3,582
<INCOME-PRE-EXTRAORDINARY>                       3,582
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       756
<EPS-BASIC>                                       1.23
<EPS-DILUTED>                                     1.17
<YIELD-ACTUAL>                                    8.20
<LOANS-NON>                                          0
<LOANS-PAST>                                       240
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    202
<ALLOWANCE-OPEN>                                 1,985
<CHARGE-OFFS>                                      863
<RECOVERIES>                                       109
<ALLOWANCE-CLOSE>                                2,095
<ALLOWANCE-DOMESTIC>                             2,095
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            898


</TABLE>



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