<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS
FOUND ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE,
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<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> 9,243
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 4,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 85,727
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 291,779
<ALLOWANCE> 3,386
<TOTAL-ASSETS> 404,853
<DEPOSITS> 364,401
<SHORT-TERM> 0
<LIABILITIES-OTHER> 4,048
<LONG-TERM> 37
0
0
<COMMON> 655
<OTHER-SE> 35,712
<TOTAL-LIABILITIES-AND-EQUITY> 404,853
<INTEREST-LOAN> 17,900
<INTEREST-INVEST> 4,049
<INTEREST-OTHER> 41
<INTEREST-TOTAL> 21,990
<INTEREST-DEPOSIT> 11,129
<INTEREST-EXPENSE> 11,281
<INTEREST-INCOME-NET> 10,709
<LOAN-LOSSES> 300
<SECURITIES-GAINS> 173
<EXPENSE-OTHER> 8,065
<INCOME-PRETAX> 4,026
<INCOME-PRE-EXTRAORDINARY> 4,026
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,190
<EPS-BASIC> 1.60
<EPS-DILUTED> 1.60
<YIELD-ACTUAL> 7.97
<LOANS-NON> 2,416
<LOANS-PAST> 990
<LOANS-TROUBLED> 128
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,799
<CHARGE-OFFS> 805
<RECOVERIES> 92
<ALLOWANCE-CLOSE> 3,386
<ALLOWANCE-DOMESTIC> 3,386
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 632
</TABLE>