<TABLE> <S> <C>
<ARTICLE> 9
<CURRENCY> U.S.Dollars
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 9,830,000
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 6,646,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 80,847,000
<INVESTMENTS-MARKET> 78,650,000
<LOANS> 221,141,000
<ALLOWANCE> 3,354,000
<TOTAL-ASSETS> 331,509,000
<DEPOSITS> 275,883,000
<SHORT-TERM> 14,724,000
<LIABILITIES-OTHER> 2,359,000
<LONG-TERM> 7,859,000
0
0
<COMMON> 18,575,000
<OTHER-SE> 12,109,000
<TOTAL-LIABILITIES-AND-EQUITY> 331,509,000
<INTEREST-LOAN> 15,133,000
<INTEREST-INVEST> 3,753,000
<INTEREST-OTHER> 419,000
<INTEREST-TOTAL> 19,305,000
<INTEREST-DEPOSIT> 6,494,000
<INTEREST-EXPENSE> 1,651,000
<INTEREST-INCOME-NET> 8,145,000
<LOAN-LOSSES> 594,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 9,996,000
<INCOME-PRETAX> 2,107,000
<INCOME-PRE-EXTRAORDINARY> 2,107,000
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,192,000
<EPS-BASIC> 0.14
<EPS-DILUTED> 0.14
<YIELD-ACTUAL> 8.78
<LOANS-NON> 2,440,000
<LOANS-PAST> 222,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,664,977
<ALLOWANCE-OPEN> 3,075,000
<CHARGE-OFFS> 404,000
<RECOVERIES> 89,000
<ALLOWANCE-CLOSE> 3,354,000
<ALLOWANCE-DOMESTIC> 3,354,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>