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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 16,476
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 6,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 142,742
<INVESTMENTS-CARRYING> 166,991
<INVESTMENTS-MARKET> 161,858
<LOANS> 192,948
<ALLOWANCE> (1,594)
<TOTAL-ASSETS> 543,337
<DEPOSITS> 430,839
<SHORT-TERM> 72,188
<LIABILITIES-OTHER> 2,699
<LONG-TERM> 0
0
0
<COMMON> 10,955
<OTHER-SE> 25,656
<TOTAL-LIABILITIES-AND-EQUITY> 543,337
<INTEREST-LOAN> 10,587
<INTEREST-INVEST> 15,412
<INTEREST-OTHER> 226
<INTEREST-TOTAL> 26,225
<INTEREST-DEPOSIT> 8,966
<INTEREST-EXPENSE> 11,740
<INTEREST-INCOME-NET> 14,485
<LOAN-LOSSES> 253
<SECURITIES-GAINS> (64)
<EXPENSE-OTHER> 10,075
<INCOME-PRETAX> 5,377
<INCOME-PRE-EXTRAORDINARY> 3,670
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,670
<EPS-BASIC> .97
<EPS-DILUTED> .96
<YIELD-ACTUAL> 7.20
<LOANS-NON> 225
<LOANS-PAST> 23
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,423
<CHARGE-OFFS> 86
<RECOVERIES> 4
<ALLOWANCE-CLOSE> 1,504
<ALLOWANCE-DOMESTIC> 1,594
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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