<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,711
<INT-BEARING-DEPOSITS> 553
<FED-FUNDS-SOLD> 11,637
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 163,154
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 290,331
<ALLOWANCE> 1,956
<TOTAL-ASSETS> 490,054
<DEPOSITS> 406,408
<SHORT-TERM> 0
<LIABILITIES-OTHER> 13,263
<LONG-TERM> 29,000
0
0
<COMMON> 3,780
<OTHER-SE> 37,604
<TOTAL-LIABILITIES-AND-EQUITY> 490,054
<INTEREST-LOAN> 16,796
<INTEREST-INVEST> 7,774
<INTEREST-OTHER> 233
<INTEREST-TOTAL> 24,802
<INTEREST-DEPOSIT> 10,447
<INTEREST-EXPENSE> 1,375
<INTEREST-INCOME-NET> 12,980
<LOAN-LOSSES> 225
<SECURITIES-GAINS> (107)
<EXPENSE-OTHER> 7,566
<INCOME-PRETAX> 7,365
<INCOME-PRE-EXTRAORDINARY> 7,365
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,038
<EPS-BASIC> 1.68
<EPS-DILUTED> 1.68
<YIELD-ACTUAL> 0
<LOANS-NON> 88
<LOANS-PAST> 1,326
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,366
<CHARGE-OFFS> 650
<RECOVERIES> 15
<ALLOWANCE-CLOSE> 1,956
<ALLOWANCE-DOMESTIC> 1,956
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>