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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEPT.
30, 2000 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 15,035
<INT-BEARING-DEPOSITS> 7,332
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 62,484
<INVESTMENTS-CARRYING> 7,044
<INVESTMENTS-MARKET> 7,284
<LOANS> 332,875
<ALLOWANCE> 4,641
<TOTAL-ASSETS> 430,248
<DEPOSITS> 377,208
<SHORT-TERM> 8,768
<LIABILITIES-OTHER> 7,465
<LONG-TERM> 0
0
0
<COMMON> 809
<OTHER-SE> 35,998
<TOTAL-LIABILITIES-AND-EQUITY> 430,248
<INTEREST-LOAN> 7,019
<INTEREST-INVEST> 1,380
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 8,399
<INTEREST-DEPOSIT> 3,246
<INTEREST-EXPENSE> 3,353
<INTEREST-INCOME-NET> 5,046
<LOAN-LOSSES> 114
<SECURITIES-GAINS> 208
<EXPENSE-OTHER> 2,801
<INCOME-PRETAX> 3,122
<INCOME-PRE-EXTRAORDINARY> 3,122
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,041
<EPS-BASIC> 0.28
<EPS-DILUTED> 0.27
<YIELD-ACTUAL> 4.98
<LOANS-NON> 0
<LOANS-PAST> 126
<LOANS-TROUBLED> 1,003
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,516
<CHARGE-OFFS> 3
<RECOVERIES> 14
<ALLOWANCE-CLOSE> 4,641
<ALLOWANCE-DOMESTIC> 4,641
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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