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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-END> SEP-30-2000
<CASH> 13,384
<INT-BEARING-DEPOSITS> 451
<FED-FUNDS-SOLD> 4,212
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 110,748
<INVESTMENTS-CARRYING> 44,170
<INVESTMENTS-MARKET> 43,142
<LOANS> 181,638
<ALLOWANCE> 2,945
<TOTAL-ASSETS> 366,730
<DEPOSITS> 295,525
<SHORT-TERM> 13,701
<LIABILITIES-OTHER> 2,796
<LONG-TERM> 25,000
0
0
<COMMON> 1,800
<OTHER-SE> 27,908
<TOTAL-LIABILITIES-AND-EQUITY> 366,730
<INTEREST-LOAN> 10,880
<INTEREST-INVEST> 7,362
<INTEREST-OTHER> 175
<INTEREST-TOTAL> 18,417
<INTEREST-DEPOSIT> 7,490
<INTEREST-EXPENSE> 8,844
<INTEREST-INCOME-NET> 9,578
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 156
<EXPENSE-OTHER> 7,414
<INCOME-PRETAX> 4,136
<INCOME-PRE-EXTRAORDINARY> 3,200
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,200
<EPS-BASIC> 2.13
<EPS-DILUTED> 2.13
<YIELD-ACTUAL> 4.03
<LOANS-NON> 450
<LOANS-PAST> 6
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 3,419
<ALLOWANCE-OPEN> 3,196
<CHARGE-OFFS> 262
<RECOVERIES> 11
<ALLOWANCE-CLOSE> 2,945
<ALLOWANCE-DOMESTIC> 2,945
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 606
</TABLE>
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