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<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> 22,260
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 11,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 76,997
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 291,781
<ALLOWANCE> 3,607
<TOTAL-ASSETS> 411,135
<DEPOSITS> 353,612
<SHORT-TERM> 22,164
<LIABILITIES-OTHER> 3,759
<LONG-TERM> 7,000
0
0
<COMMON> 1,000
<OTHER-SE> 23,600
<TOTAL-LIABILITIES-AND-EQUITY> 411,135
<INTEREST-LOAN> 19,089
<INTEREST-INVEST> 2,325
<INTEREST-OTHER> 318
<INTEREST-TOTAL> 21,732
<INTEREST-DEPOSIT> 7,646
<INTEREST-EXPENSE> 9,025
<INTEREST-INCOME-NET> 12,707
<LOAN-LOSSES> 485
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 10,638
<INCOME-PRETAX> 3,296
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<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,144
<EPS-BASIC> 2.56
<EPS-DILUTED> 2.56
<YIELD-ACTUAL> 8.98
<LOANS-NON> 802
<LOANS-PAST> 0
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<LOANS-PROBLEM> 845
<ALLOWANCE-OPEN> 3,114
<CHARGE-OFFS> 9
<RECOVERIES> 17
<ALLOWANCE-CLOSE> 3,607
<ALLOWANCE-DOMESTIC> 3,607
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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