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<TABLE> <S> <C>
<ARTICLE> 9
<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> 9,314
<INT-BEARING-DEPOSITS> 4,636
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 54,853
<INVESTMENTS-CARRYING> 8,456
<INVESTMENTS-MARKET> 8,351
<LOANS> 155,429
<ALLOWANCE> 1,415
<TOTAL-ASSETS> 242,739
<DEPOSITS> 197,897
<SHORT-TERM> 16,736
<LIABILITIES-OTHER> 727
<LONG-TERM> 0
0
0
<COMMON> 20,085
<OTHER-SE> 7,587
<TOTAL-LIABILITIES-AND-EQUITY> 242,739
<INTEREST-LOAN> 10,608
<INTEREST-INVEST> 2,864
<INTEREST-OTHER> 168
<INTEREST-TOTAL> 13,640
<INTEREST-DEPOSIT> 4,071
<INTEREST-EXPENSE> 4,596
<INTEREST-INCOME-NET> 9,044
<LOAN-LOSSES> 33
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 6,283
<INCOME-PRETAX> 4,450
<INCOME-PRE-EXTRAORDINARY> 4,450
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,737
<EPS-BASIC> .66
<EPS-DILUTED> .66
<YIELD-ACTUAL> 0<F1>
<LOANS-NON> 574
<LOANS-PAST> 708
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,415
<CHARGE-OFFS> 33
<RECOVERIES> 62
<ALLOWANCE-CLOSE> 1,415
<ALLOWANCE-DOMESTIC> 1,415
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
<FN>
<F1>INFORMATION NOT CALCULATED FOR INTERIM REPORTS.
</FN>
</TABLE>
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