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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 22,008
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 22,095
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 130,457
<INVESTMENTS-CARRYING> 38,751
<INVESTMENTS-MARKET> 39,254
<LOANS> 275,484
<ALLOWANCE> 3,594
<TOTAL-ASSETS> 506,779
<DEPOSITS> 414,390
<SHORT-TERM> 46,930
<LIABILITIES-OTHER> 3,483
<LONG-TERM> 0
0
0
<COMMON> 314
<OTHER-SE> 41,662
<TOTAL-LIABILITIES-AND-EQUITY> 506,779
<INTEREST-LOAN> 17,063
<INTEREST-INVEST> 8,442
<INTEREST-OTHER> 463
<INTEREST-TOTAL> 25,968
<INTEREST-DEPOSIT> 9,654
<INTEREST-EXPENSE> 11,495
<INTEREST-INCOME-NET> 14,473
<LOAN-LOSSES> 240
<SECURITIES-GAINS> (108)
<EXPENSE-OTHER> 9,609
<INCOME-PRETAX> 6,693
<INCOME-PRE-EXTRAORDINARY> 6,693
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,663
<EPS-BASIC> 1.27
<EPS-DILUTED> 1.24
<YIELD-ACTUAL> 4.35
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,279
<CHARGE-OFFS> 5
<RECOVERIES> 80
<ALLOWANCE-CLOSE> 3,594
<ALLOWANCE-DOMESTIC> 3,594
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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