<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
FOR THE PERIOD 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-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,854
<INT-BEARING-DEPOSITS> 1,095
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 32,268
<INVESTMENTS-CARRYING> 38,267
<INVESTMENTS-MARKET> 36,903
<LOANS> 135,656
<ALLOWANCE> 1,357
<TOTAL-ASSETS> 187,044
<DEPOSITS> 159,054
<SHORT-TERM> 6,883
<LIABILITIES-OTHER> 1,806
<LONG-TERM> 5,473
0
0
<COMMON> 14,526
<OTHER-SE> (697)
<TOTAL-LIABILITIES-AND-EQUITY> 187,044
<INTEREST-LOAN> 6,505
<INTEREST-INVEST> 1,927
<INTEREST-OTHER> 205
<INTEREST-TOTAL> 8,647
<INTEREST-DEPOSIT> 4,840
<INTEREST-EXPENSE> 5,325
<INTEREST-INCOME-NET> 4,913
<LOAN-LOSSES> 119
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,271
<INCOME-PRETAX> 1,715
<INCOME-PRE-EXTRAORDINARY> 1,715
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,158
<EPS-BASIC> .70
<EPS-DILUTED> .65
<YIELD-ACTUAL> 6.2
<LOANS-NON> 0
<LOANS-PAST> 1,102
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,254
<CHARGE-OFFS> 16
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,357
<ALLOWANCE-DOMESTIC> 1,357
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,357
</TABLE>