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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE UNAUDITED
CONSOLIDATED BALANCE SHEET AND THE UNAUDITED 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-END> SEP-30-2000
<CASH> 10,101
<INT-BEARING-DEPOSITS> 133
<FED-FUNDS-SOLD> 6,275
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 85,125
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 282,423
<ALLOWANCE> 2,619
<TOTAL-ASSETS> 410,968
<DEPOSITS> 354,568
<SHORT-TERM> 14,000
<LIABILITIES-OTHER> 3,470
<LONG-TERM> 10,479
0
0
<COMMON> 3,250
<OTHER-SE> 25,201
<TOTAL-LIABILITIES-AND-EQUITY> 410,968
<INTEREST-LOAN> 16,838
<INTEREST-INVEST> 4,199
<INTEREST-OTHER> 154
<INTEREST-TOTAL> 21,191
<INTEREST-DEPOSIT> 11,048
<INTEREST-EXPENSE> 12,051
<INTEREST-INCOME-NET> 9,140
<LOAN-LOSSES> 445
<SECURITIES-GAINS> (34)
<EXPENSE-OTHER> 9,076
<INCOME-PRETAX> 2,357
<INCOME-PRE-EXTRAORDINARY> 1,774
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,774
<EPS-BASIC> 0.56
<EPS-DILUTED> 0.56
<YIELD-ACTUAL> 3.48
<LOANS-NON> 1,487
<LOANS-PAST> 2,687
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,491
<CHARGE-OFFS> 460
<RECOVERIES> 143
<ALLOWANCE-CLOSE> 2,619
<ALLOWANCE-DOMESTIC> 2,619
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 740
</TABLE>
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