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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 3,382,000
<INT-BEARING-DEPOSITS> 219,000
<FED-FUNDS-SOLD> 15,500,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 34,549,000
<INVESTMENTS-CARRYING> 30,420,000
<INVESTMENTS-MARKET> 31,051,000
<LOANS> 85,246,000
<ALLOWANCE> 1,042,000
<TOTAL-ASSETS> 178,178,000
<DEPOSITS> 152,349,000
<SHORT-TERM> 4,158,000
<LIABILITIES-OTHER> 1,506,000
<LONG-TERM> 10,725,000
0
1,047,000
<COMMON> 1,220,000
<OTHER-SE> 7,173,000
<TOTAL-LIABILITIES-AND-EQUITY> 175,207,000
<INTEREST-LOAN> 5,471,000
<INTEREST-INVEST> 3,279,000
<INTEREST-OTHER> 449,000
<INTEREST-TOTAL> 9,199,000
<INTEREST-DEPOSIT> 4,072,000
<INTEREST-EXPENSE> 4,766,000
<INTEREST-INCOME-NET> 4,433,000
<LOAN-LOSSES> 479,000
<SECURITIES-GAINS> 3,000
<EXPENSE-OTHER> 4,295,000
<INCOME-PRETAX> 719,000
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 562,000
<EPS-BASIC> 3.93
<EPS-DILUTED> 3.62
<YIELD-ACTUAL> 7.66
<LOANS-NON> 887,000
<LOANS-PAST> 339,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,975,000
<CHARGE-OFFS> 1,493,000
<RECOVERIES> 81,000
<ALLOWANCE-CLOSE> 1,042,000
<ALLOWANCE-DOMESTIC> 1,042,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 10,000
</TABLE>
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