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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF INCOME FILED AS PART OF
THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH QUARTERLY REPORT ON FORM 10-Q.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 15,363
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 51,842
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 216,187
<ALLOWANCE> 1,920
<TOTAL-ASSETS> 301,597
<DEPOSITS> 247,013
<SHORT-TERM> 1,588
<LIABILITIES-OTHER> 4,707
<LONG-TERM> 25,000
0
0
<COMMON> 4,582
<OTHER-SE> 18,707
<TOTAL-LIABILITIES-AND-EQUITY> 301,597
<INTEREST-LOAN> 14,862
<INTEREST-INVEST> 2,348
<INTEREST-OTHER> 7
<INTEREST-TOTAL> 17,217
<INTEREST-DEPOSIT> 6,499
<INTEREST-EXPENSE> 7,814
<INTEREST-INCOME-NET> 9,403
<LOAN-LOSSES> 450
<SECURITIES-GAINS> (7)
<EXPENSE-OTHER> 7,764
<INCOME-PRETAX> 3,368
<INCOME-PRE-EXTRAORDINARY> 3,368
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,439
<EPS-BASIC> 1.26
<EPS-DILUTED> 1.26
<YIELD-ACTUAL> 5.20
<LOANS-NON> 939
<LOANS-PAST> 729
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,529
<ALLOWANCE-OPEN> 2,132
<CHARGE-OFFS> 799
<RECOVERIES> 137
<ALLOWANCE-CLOSE> 1,920
<ALLOWANCE-DOMESTIC> 1,446
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 474
</TABLE>
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