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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 13,455
<INT-BEARING-DEPOSITS> 11,371
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 8,572
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 205,483
<ALLOWANCE> 2,624
<TOTAL-ASSETS> 243,939
<DEPOSITS> 203,452
<SHORT-TERM> 2,100
<LIABILITIES-OTHER> 1,115
<LONG-TERM> 16,318
0
0
<COMMON> 13,850
<OTHER-SE> 7,104
<TOTAL-LIABILITIES-AND-EQUITY> 243,939
<INTEREST-LOAN> 12,610
<INTEREST-INVEST> 418
<INTEREST-OTHER> 583
<INTEREST-TOTAL> 13,611
<INTEREST-DEPOSIT> 6,053
<INTEREST-EXPENSE> 6,715
<INTEREST-INCOME-NET> 6,896
<LOAN-LOSSES> 307
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,605
<INCOME-PRETAX> 3,360
<INCOME-PRE-EXTRAORDINARY> 2,210
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,210
<EPS-BASIC> 1.66
<EPS-DILUTED> 1.56
<YIELD-ACTUAL> 4.33
<LOANS-NON> 52
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 437
<ALLOWANCE-OPEN> 2,550
<CHARGE-OFFS> 253
<RECOVERIES> 20
<ALLOWANCE-CLOSE> 2,624
<ALLOWANCE-DOMESTIC> 2,282
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 342
</TABLE>
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