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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 5,931
<INT-BEARING-DEPOSITS> 34
<FED-FUNDS-SOLD> 630
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 26,771
<INVESTMENTS-CARRYING> 1,805
<INVESTMENTS-MARKET> 28,576
<LOANS> 197,953
<ALLOWANCE> (1,722)
<TOTAL-ASSETS> 196,231
<DEPOSITS> 182,717
<SHORT-TERM> 2,500
<LIABILITIES-OTHER> 1,654
<LONG-TERM> 31,100
0
0
<COMMON> 200
<OTHER-SE> 21,539
<TOTAL-LIABILITIES-AND-EQUITY> 239,710
<INTEREST-LOAN> 12,330
<INTEREST-INVEST> 1,312
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 13,642
<INTEREST-DEPOSIT> 5,887
<INTEREST-EXPENSE> 7,242
<INTEREST-INCOME-NET> 6,400
<LOAN-LOSSES> 225
<SECURITIES-GAINS> (10)
<EXPENSE-OTHER> 5,051
<INCOME-PRETAX> 2,324
<INCOME-PRE-EXTRAORDINARY> 2,324
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<CHANGES> 0
<NET-INCOME> 1,551
<EPS-BASIC> 2.08
<EPS-DILUTED> 2.08
<YIELD-ACTUAL> 8.85
<LOANS-NON> 1,318
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 2,505
<ALLOWANCE-OPEN> 1,628
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<RECOVERIES> 286
<ALLOWANCE-CLOSE> 1,723
<ALLOWANCE-DOMESTIC> 1,723
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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