<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> 1360
<INT-BEARING-DEPOSITS> 197
<FED-FUNDS-SOLD> 925
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4633
<INVESTMENTS-CARRYING> 4633
<INVESTMENTS-MARKET> 4698
<LOANS> 37308
<ALLOWANCE> 665
<TOTAL-ASSETS> 45350
<DEPOSITS> 35401
<SHORT-TERM> 1779
<LIABILITIES-OTHER> 496
<LONG-TERM> 1832
0
0
<COMMON> 774
<OTHER-SE> 5842
<TOTAL-LIABILITIES-AND-EQUITY> 45350
<INTEREST-LOAN> 2510
<INTEREST-INVEST> 229
<INTEREST-OTHER> 31
<INTEREST-TOTAL> 2770
<INTEREST-DEPOSIT> 11
<INTEREST-EXPENSE> 1062
<INTEREST-INCOME-NET> 1719
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1210
<INCOME-PRETAX> 1057
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 715
<EPS-BASIC> 2.32
<EPS-DILUTED> 0
<YIELD-ACTUAL> 9.13
<LOANS-NON> 215
<LOANS-PAST> 1393
<LOANS-TROUBLED> 129
<LOANS-PROBLEM> 296
<ALLOWANCE-OPEN> 677
<CHARGE-OFFS> 85
<RECOVERIES> 73
<ALLOWANCE-CLOSE> 665
<ALLOWANCE-DOMESTIC> 665
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>