<TABLE> <S> <C>
<ARTICLE> 9
<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> 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> 20,151
<INTEREST-INVEST> 4,083
<INTEREST-OTHER> 2,575
<INTEREST-TOTAL> 26,809
<INTEREST-DEPOSIT> 3,489
<INTEREST-EXPENSE> 3,509
<INTEREST-INCOME-NET> 23,300
<LOAN-LOSSES> 350
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 30,802
<INCOME-PRETAX> 8,230
<INCOME-PRE-EXTRAORDINARY> 8,230
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,296
<EPS-BASIC> 1.50
<EPS-DILUTED> 1.48
<YIELD-ACTUAL> 6.74
<LOANS-NON> 980
<LOANS-PAST> 4
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 988
<ALLOWANCE-OPEN> 4,282
<CHARGE-OFFS> 153
<RECOVERIES> 33
<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>