<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM FORM 10-Q FOR THE
QUARTERLY PERIOD ENDED SEPTEMBER 30, 2000 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-END> SEP-30-2000
<CASH> 12,926
<INT-BEARING-DEPOSITS> 71
<FED-FUNDS-SOLD> 82
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 63,683
<INVESTMENTS-CARRYING> 56,923
<INVESTMENTS-MARKET> 0
<LOANS> 400,066
<ALLOWANCE> 4,169
<TOTAL-ASSETS> 548,135
<DEPOSITS> 460,503
<SHORT-TERM> 13,265
<LIABILITIES-OTHER> 6,067
<LONG-TERM> 15,000
0
0
<COMMON> 12,634
<OTHER-SE> 40,666
<TOTAL-LIABILITIES-AND-EQUITY> 548,135
<INTEREST-LOAN> 25,174
<INTEREST-INVEST> 5,445
<INTEREST-OTHER> 259
<INTEREST-TOTAL> 30,878
<INTEREST-DEPOSIT> 14,036
<INTEREST-EXPENSE> 15,090
<INTEREST-INCOME-NET> 15,788
<LOAN-LOSSES> 1,152
<SECURITIES-GAINS> 76
<EXPENSE-OTHER> 14,787
<INCOME-PRETAX> 3,159
<INCOME-PRE-EXTRAORDINARY> 3,159
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,050
<EPS-BASIC> .41
<EPS-DILUTED> .40
<YIELD-ACTUAL> 4.14
<LOANS-NON> 791
<LOANS-PAST> 1,277
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,289
<CHARGE-OFFS> 488
<RECOVERIES> 216
<ALLOWANCE-CLOSE> 4,169
<ALLOWANCE-DOMESTIC> 3,734
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 435
</TABLE>