<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> Dec-31-2000
<PERIOD-START> Jan-01-2000
<PERIOD-END> Sep-30-2000
<CASH> 21,554
<INT-BEARING-DEPOSITS> 359
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 32,685
<INVESTMENTS-CARRYING> 9,204
<INVESTMENTS-MARKET> 9,202
<LOANS> 346,457
<ALLOWANCE> 3,425
<TOTAL-ASSETS> 433,540
<DEPOSITS> 339,497
<SHORT-TERM> 46,599
<LIABILITIES-OTHER> 3,402
<LONG-TERM> 0
0
0
<COMMON> 61
<OTHER-SE> 43,981
<TOTAL-LIABILITIES-AND-EQUITY> 433,540
<INTEREST-LOAN> 20,610
<INTEREST-INVEST> 2,037
<INTEREST-OTHER> 234
<INTEREST-TOTAL> 22,881
<INTEREST-DEPOSIT> 9,172
<INTEREST-EXPENSE> 10,118
<INTEREST-INCOME-NET> 12,763
<LOAN-LOSSES> 950
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 11,346
<INCOME-PRETAX> 2,866
<INCOME-PRE-EXTRAORDINARY> 1,876
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,876
<EPS-BASIC> 0.31
<EPS-DILUTED> 0.31
<YIELD-ACTUAL> 4.85
<LOANS-NON> 465
<LOANS-PAST> 465
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,671
<CHARGE-OFFS> 343
<RECOVERIES> 147
<ALLOWANCE-CLOSE> 3,425
<ALLOWANCE-DOMESTIC> 3,425
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>