<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule of financial information is extracted from the September 30, 2000
10-Q and is qualified in its entirety by reference to such 10-Q
</LEGEND>
<CIK> 0000796534
<NAME> J. Robert Buchanan C.F.O. 540-951-6283
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> Sep-30-2000
<CASH> 9,301
<INT-BEARING-DEPOSITS> 18,003
<FED-FUNDS-SOLD> 100
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 120,190
<INVESTMENTS-CARRYING> 21,138
<INVESTMENTS-MARKET> 21,010
<LOANS> 316,388
<ALLOWANCE> 3,732
<TOTAL-ASSETS> 498,897
<DEPOSITS> 429,272
<SHORT-TERM> 10,198
<LIABILITIES-OTHER> 1,858
<LONG-TERM> 0
0
0
<COMMON> 8,780
<OTHER-SE> 48,789
<TOTAL-LIABILITIES-AND-EQUITY> 498,897
<INTEREST-LOAN> 20,545
<INTEREST-INVEST> 6,674
<INTEREST-OTHER> 497
<INTEREST-TOTAL> 27,716
<INTEREST-DEPOSIT> 12,185
<INTEREST-EXPENSE> 12,710
<INTEREST-INCOME-NET> 15,006
<LOAN-LOSSES> 997
<SECURITIES-GAINS> 5
<EXPENSE-OTHER> 9,376
<INCOME-PRETAX> 7,496
<INCOME-PRE-EXTRAORDINARY> 7,496
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,472
<EPS-BASIC> 1.56
<EPS-DILUTED> 1.56
<YIELD-ACTUAL> 0
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 0
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 0
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>