<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS DATED SEPTEMBER 30, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 9,983
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,715
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 33,831
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 115,510
<ALLOWANCE> 2,565
<TOTAL-ASSETS> 180,761
<DEPOSITS> 154,455
<SHORT-TERM> 9,767
<LIABILITIES-OTHER> 925
<LONG-TERM> 0
0
0
<COMMON> 9,255
<OTHER-SE> 6,359
<TOTAL-LIABILITIES-AND-EQUITY> 180,761
<INTEREST-LOAN> 7,958
<INTEREST-INVEST> 1,697
<INTEREST-OTHER> 189
<INTEREST-TOTAL> 9,844
<INTEREST-DEPOSIT> 3,099
<INTEREST-EXPENSE> 3,415
<INTEREST-INCOME-NET> 6,429
<LOAN-LOSSES> 135
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,329
<INCOME-PRETAX> 894
<INCOME-PRE-EXTRAORDINARY> 789
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 789
<EPS-BASIC> 0.52
<EPS-DILUTED> 0.51
<YIELD-ACTUAL> 5.47
<LOANS-NON> 7,711
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,580
<CHARGE-OFFS> 171
<RECOVERIES> 21
<ALLOWANCE-CLOSE> 2,565
<ALLOWANCE-DOMESTIC> 2,565
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,311
</TABLE>