WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
EXHIBIT 27
FINANCIAL DATA SCHEDULE
<ARTICLE> 9
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 16,141
<INT-BEARING-DEPOSITS> 7,718
<FED-FUNDS-SOLD> 9,980
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 138,192
<INVESTMENTS-CARRYING> 3,740
<INVESTMENTS-MARKET> 3,482
<LOANS> 362,236
<ALLOWANCE> 5,672
<TOTAL-ASSETS> 577,473
<DEPOSITS> 437,680
<SHORT-TERM> 33,640
<LIABILITIES-OTHER> 10,378
<LONG-TERM> 58,000
<COMMON> 3,155
0
0
<OTHER-SE> 34,620
<TOTAL-LIABILITIES-AND-EQUITY> 577,473
<INTEREST-LOAN> 22,970
<INTEREST-INVEST> 7,056
<INTEREST-OTHER> 1,029
<INTEREST-TOTAL> 31,055
<INTEREST-DEPOSIT> 11,949
<INTEREST-EXPENSE> 15,544
<INTEREST-INCOME-NET> 15,511
<LOAN-LOSSES> 786
<SECURITIES-GAINS> 29
<EXPENSE-OTHER> 13,935
<INCOME-PRETAX> 5,423
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,413
<EPS-BASIC> 0.54
<EPS-DILUTED> 0.53
<YIELD-ACTUAL> 0
<LOANS-NON> 1,432
<LOANS-PAST> 462
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,953
<CHARGE-OFFS> 146
<RECOVERIES> 79
<ALLOWANCE-CLOSE> 5,672
<ALLOWANCE-DOMESTIC> 5,672
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,558
</TABLE>