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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 2000 THIRD
QUARTER 10-Q.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,732
<INT-BEARING-DEPOSITS> 31
<FED-FUNDS-SOLD> 3,350
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 11,141
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 87,488
<ALLOWANCE> 1,068
<TOTAL-ASSETS> 110,705
<DEPOSITS> 73,280
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,412
<LONG-TERM> 23,471
0
0
<COMMON> 2,990
<OTHER-SE> 9,552
<TOTAL-LIABILITIES-AND-EQUITY> 110,705
<INTEREST-LOAN> 5,306
<INTEREST-INVEST> 542
<INTEREST-OTHER> 56
<INTEREST-TOTAL> 5,904
<INTEREST-DEPOSIT> 1,847
<INTEREST-EXPENSE> 2,768
<INTEREST-INCOME-NET> 3,136
<LOAN-LOSSES> 6
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,937
<INCOME-PRETAX> 1,777
<INCOME-PRE-EXTRAORDINARY> 1,237
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,237
<EPS-BASIC> 2.07
<EPS-DILUTED> 2.05
<YIELD-ACTUAL> 4.26
<LOANS-NON> 15
<LOANS-PAST> 107
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,055
<CHARGE-OFFS> 10
<RECOVERIES> 17
<ALLOWANCE-CLOSE> 1,068
<ALLOWANCE-DOMESTIC> 571
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 497
</TABLE>
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