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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 7,774
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 55,320
<INVESTMENTS-CARRYING> 1,522
<INVESTMENTS-MARKET> 1,479
<LOANS> 104,266
<ALLOWANCE> 1,279
<TOTAL-ASSETS> 177,131
<DEPOSITS> 152,420
<SHORT-TERM> 11,582
<LIABILITIES-OTHER> 1,470
<LONG-TERM> 0
0
0
<COMMON> 5
<OTHER-SE> 11,654
<TOTAL-LIABILITIES-AND-EQUITY> 177,131
<INTEREST-LOAN> 6,812
<INTEREST-INVEST> 2,499
<INTEREST-OTHER> 49
<INTEREST-TOTAL> 9,360
<INTEREST-DEPOSIT> 3,812
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<INTEREST-INCOME-NET> 5,365
<LOAN-LOSSES> 240
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,960
<INCOME-PRETAX> 1,321
<INCOME-PRE-EXTRAORDINARY> 1,321
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<CHANGES> 0
<NET-INCOME> 829
<EPS-BASIC> 1.58
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<YIELD-ACTUAL> 4.58
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<ALLOWANCE-OPEN> 1,214
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<RECOVERIES> 34
<ALLOWANCE-CLOSE> 1,279
<ALLOWANCE-DOMESTIC> 1,279
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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