<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 21,281
<INT-BEARING-DEPOSITS> 63,000
<FED-FUNDS-SOLD> 20,009
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 69,801
<INVESTMENTS-CARRYING> 9,760
<INVESTMENTS-MARKET> 9,727
<LOANS> 348,090
<ALLOWANCE> 4,512
<TOTAL-ASSETS> 548,625
<DEPOSITS> 194,941
<SHORT-TERM> 0
<LIABILITIES-OTHER> 300,418
<LONG-TERM> 0
0
0
<COMMON> 2,000
<OTHER-SE> 51,266
<TOTAL-LIABILITIES-AND-EQUITY> 548,625
<INTEREST-LOAN> 7,164
<INTEREST-INVEST> 1,297
<INTEREST-OTHER> 999
<INTEREST-TOTAL> 9,460
<INTEREST-DEPOSIT> 1,464
<INTEREST-EXPENSE> 1,477
<INTEREST-INCOME-NET> 7,983
<LOAN-LOSSES> 100
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 10,283
<INCOME-PRETAX> 2,666
<INCOME-PRE-EXTRAORDINARY> 2,666
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,720
<EPS-BASIC> .50
<EPS-DILUTED> .49
<YIELD-ACTUAL> 6.68
<LOANS-NON> 980
<LOANS-PAST> 4
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 988
<ALLOWANCE-OPEN> 4,480
<CHARGE-OFFS> 71
<RECOVERIES> 3
<ALLOWANCE-CLOSE> 4,512
<ALLOWANCE-DOMESTIC> 0<F1>
<ALLOWANCE-FOREIGN> 0<F1>
<ALLOWANCE-UNALLOCATED> 0<F1>
<FN>
<F1>TO BE DOCUMENTED IN DEC-31-2000 STATEMENTS.
</TABLE>