[ARTICLE] 9
<TABLE>
<S> <C>
[PERIOD-TYPE] 9-MOS
[FISCAL-YEAR-END] DEC-31-2000
[PERIOD-END] SEP-30-2000
[CASH] 6,658
[INT-BEARING-DEPOSITS] 275
[FED-FUNDS-SOLD] 2,690
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 15,033
[INVESTMENTS-CARRYING] 4,411
[INVESTMENTS-MARKET] 4,272
[LOANS] 148,942
[ALLOWANCE] 1,003
[TOTAL-ASSETS] 184,817
[DEPOSITS] 161,077
[SHORT-TERM] 7,725
[LIABILITIES-OTHER] 2,309
[LONG-TERM] 505
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 4,196
[OTHER-SE] 9,005
[TOTAL-LIABILITIES-AND-EQUITY] 184,817
[INTEREST-LOAN] 9,403
[INTEREST-INVEST] 911
[INTEREST-OTHER] 206
[INTEREST-TOTAL] 10,520
[INTEREST-DEPOSIT] 5,522
[INTEREST-EXPENSE] 5,761
[INTEREST-INCOME-NET] 4,759
[LOAN-LOSSES] 138
[SECURITIES-GAINS] 0
[EXPENSE-OTHER] 4,362
[INCOME-PRETAX] 1,153
[INCOME-PRE-EXTRAORDINARY] 1,153
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 851
[EPS-BASIC] .51
[EPS-DILUTED] .46
[YIELD-ACTUAL] 8.71
[LOANS-NON] 1,640
[LOANS-PAST] 67
[LOANS-TROUBLED] 0
[LOANS-PROBLEM] 1,205
[ALLOWANCE-OPEN] 931
[CHARGE-OFFS] 71
[RECOVERIES] 5
[ALLOWANCE-CLOSE] 1,003
[ALLOWANCE-DOMESTIC] 1,003
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 769
</TABLE>
