<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheet and the Consolidated Statement of Income filed as
part of the annual report on Form 10-K and is qualified in its entirety by
reference to such annual report on Form 10-K.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 14,007
<INT-BEARING-DEPOSITS> 547
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 31,759
<INVESTMENTS-CARRYING> 10,560
<INVESTMENTS-MARKET> 10,260
<LOANS> 484,841
<ALLOWANCE> 3,426
<TOTAL-ASSETS> 577,575
<DEPOSITS> 389,938
<SHORT-TERM> 0
<LIABILITIES-OTHER> 8,868
<LONG-TERM> 78,391
0
0
<COMMON> 58
<OTHER-SE> 100,320
<TOTAL-LIABILITIES-AND-EQUITY> 577,575
<INTEREST-LOAN> 27,177
<INTEREST-INVEST> 2,472
<INTEREST-OTHER> 41
<INTEREST-TOTAL> 29,691
<INTEREST-DEPOSIT> 12,507
<INTEREST-EXPENSE> 2,800
<INTEREST-INCOME-NET> 14,383
<LOAN-LOSSES> 513
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 9,617
<INCOME-PRETAX> 6,796
<INCOME-PRE-EXTRAORDINARY> 4,538
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,538
<EPS-BASIC> .84
<EPS-DILUTED> .84
<YIELD-ACTUAL> 3.73
<LOANS-NON> 498
<LOANS-PAST> 70
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 2,569
<ALLOWANCE-OPEN> 3,652
<CHARGE-OFFS> 785
<RECOVERIES> 46
<ALLOWANCE-CLOSE> 3,426
<ALLOWANCE-DOMESTIC> 3,426
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>