<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 7,709
<INT-BEARING-DEPOSITS> 250
<FED-FUNDS-SOLD> 10,861
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 65,260
<INVESTMENTS-CARRYING> 65,260
<INVESTMENTS-MARKET> 65,260
<LOANS> 197,616
<ALLOWANCE> 2,560
<TOTAL-ASSETS> 300,277
<DEPOSITS> 230,606
<SHORT-TERM> 21,290
<LIABILITIES-OTHER> 2,635
<LONG-TERM> 20,816
0
0
<COMMON> 233
<OTHER-SE> 24,930
<TOTAL-LIABILITIES-AND-EQUITY> 300,277
<INTEREST-LOAN> 12,433
<INTEREST-INVEST> 3,249
<INTEREST-OTHER> 206
<INTEREST-TOTAL> 15,888
<INTEREST-DEPOSIT> 5,538
<INTEREST-EXPENSE> 7,479
<INTEREST-INCOME-NET> 8,409
<LOAN-LOSSES> 225
<SECURITIES-GAINS> 33
<EXPENSE-OTHER> 6,653
<INCOME-PRETAX> 4,132
<INCOME-PRE-EXTRAORDINARY> 3,050
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,050
<EPS-BASIC> 1.37
<EPS-DILUTED> 1.37
<YIELD-ACTUAL> 4.60
<LOANS-NON> 16
<LOANS-PAST> 969
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,455
<CHARGE-OFFS> 124
<RECOVERIES> 4
<ALLOWANCE-CLOSE> 2,560
<ALLOWANCE-DOMESTIC> 2,560
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,600
</TABLE>