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<S> <C> <C> <C>
<PERIOD-TYPE> 9-MOS 9-MOS YEAR
<FISCAL-YEAR-END> SEP-30-2000 SEP-30-1999 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999 JAN-01-1999
<PERIOD-END> SEP-30-2000 SEP-30-1999 DEC-31-1999
<CASH> 5,481 4,861 7,184
<INT-BEARING-DEPOSITS> 0 0 0
<FED-FUNDS-SOLD> 1,830 0 0
<TRADING-ASSETS> 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 28,893 31,537 30,029
<INVESTMENTS-CARRYING> 0 0 0
<INVESTMENTS-MARKET> 0 0 0
<LOANS> 113,193 108,810 109,572
<ALLOWANCE> 613 718 701
<TOTAL-ASSETS> 155,158 149,871 152,746
<DEPOSITS> 136,988 133,145 127,619
<SHORT-TERM> 2,000 1,590 9,840
<LIABILITIES-OTHER> 572 495 843
<LONG-TERM> 0 0 0
0 0 0
0 0 0
<COMMON> 1,300 1,300 1,300
<OTHER-SE> 14,147 13,341 13,144
<TOTAL-LIABILITIES-AND-EQUITY> 155,158 149,871 152,746
<INTEREST-LOAN> 7,012 6,336 0
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<INTEREST-TOTAL> 8,470 7,980 0
<INTEREST-DEPOSIT> 3,478 3,228 0
<INTEREST-EXPENSE> 3,547 3,228 0
<INTEREST-INCOME-NET> 4,923 4,752 0
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<EXPENSE-OTHER> 3,140 2,751 0
<INCOME-PRETAX> 2,331 2,501 0
<INCOME-PRE-EXTRAORDINARY> 1,532 1,605 0
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<EPS-BASIC> 2.14 2.24 0
<EPS-DILUTED> 2.14 2.24 0
<YIELD-ACTUAL> 4.561 4.705 0
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<LOANS-TROUBLED> 307 354 0
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</TABLE>