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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF SEPTEMBER 30, 2000 AND THE STATEMENT OF INCOME
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2000, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES
THERETO.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 26,237
<INT-BEARING-DEPOSITS> 6,030
<FED-FUNDS-SOLD> 15,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 39,590
<INVESTMENTS-CARRYING> 20,676
<INVESTMENTS-MARKET> 20,422
<LOANS> 370,251
<ALLOWANCE> (3,901)
<TOTAL-ASSETS> 495,973
<DEPOSITS> 436,814
<SHORT-TERM> 8,000
<LIABILITIES-OTHER> 3,106
<LONG-TERM> 0
0
0
<COMMON> 36,742
<OTHER-SE> 11,311
<TOTAL-LIABILITIES-AND-EQUITY> 495,973
<INTEREST-LOAN> 25,301
<INTEREST-INVEST> 2,955
<INTEREST-OTHER> 618
<INTEREST-TOTAL> 28,874
<INTEREST-DEPOSIT> 7,962
<INTEREST-EXPENSE> 8,016
<INTEREST-INCOME-NET> 20,858
<LOAN-LOSSES> 665
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 15,708
<INCOME-PRETAX> 7,880
<INCOME-PRE-EXTRAORDINARY> 7,880
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,969
<EPS-BASIC> 0.91
<EPS-DILUTED> 0.85
<YIELD-ACTUAL> 6.63
<LOANS-NON> 3,399
<LOANS-PAST> 240
<LOANS-TROUBLED> 1,602
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,102
<CHARGE-OFFS> 3,096
<RECOVERIES> 230
<ALLOWANCE-CLOSE> 3,901
<ALLOWANCE-DOMESTIC> 3,901
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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