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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM 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> 9,159
<INT-BEARING-DEPOSITS> 10,448
<FED-FUNDS-SOLD> 16,881
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 49,267
<INVESTMENTS-CARRYING> 3,255
<INVESTMENTS-MARKET> 3,255
<LOANS> 222,370
<ALLOWANCE> 3,852
<TOTAL-ASSETS> 324,935
<DEPOSITS> 255,421
<SHORT-TERM> 6,675
<LIABILITIES-OTHER> 2,198
<LONG-TERM> 19,847
0
0
<COMMON> 3,053
<OTHER-SE> 37,741
<TOTAL-LIABILITIES-AND-EQUITY> 324,935
<INTEREST-LOAN> 14,081
<INTEREST-INVEST> 2,236
<INTEREST-OTHER> 943
<INTEREST-TOTAL> 17,260
<INTEREST-DEPOSIT> 5,722
<INTEREST-EXPENSE> 6,803
<INTEREST-INCOME-NET> 10,457
<LOAN-LOSSES> 360
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,976
<INCOME-PRETAX> 4,707
<INCOME-PRE-EXTRAORDINARY> 4,707
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,334
<EPS-BASIC> 1.09
<EPS-DILUTED> 1.09
<YIELD-ACTUAL> 5.03
<LOANS-NON> 407
<LOANS-PAST> 408
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,343
<CHARGE-OFFS> 28
<RECOVERIES> 177
<ALLOWANCE-CLOSE> 3,852
<ALLOWANCE-DOMESTIC> 2,764
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,088
</TABLE>
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