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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 8,610
<INT-BEARING-DEPOSITS> 4,144
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 105,903
<INVESTMENTS-MARKET> 100,911
<LOANS> 385,581
<ALLOWANCE> 1,400
<TOTAL-ASSETS> 536,015
<DEPOSITS> 370,952
<SHORT-TERM> 70,050
<LIABILITIES-OTHER> 9,500
<LONG-TERM> 44,088
0
0
<COMMON> 3,147
<OTHER-SE> 38,278
<TOTAL-LIABILITIES-AND-EQUITY> 536,015
<INTEREST-LOAN> 21,513
<INTEREST-INVEST> 4,540
<INTEREST-OTHER> 1,179
<INTEREST-TOTAL> 27,232
<INTEREST-DEPOSIT> 12,835
<INTEREST-EXPENSE> 17,940
<INTEREST-INCOME-NET> 9,292
<LOAN-LOSSES> 298
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,092
<INCOME-PRETAX> 3,714
<INCOME-PRE-EXTRAORDINARY> 3,714
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,804
<EPS-BASIC> .89
<EPS-DILUTED> .89
<YIELD-ACTUAL> 2.61
<LOANS-NON> 597
<LOANS-PAST> 37
<LOANS-TROUBLED> 198
<LOANS-PROBLEM> 520
<ALLOWANCE-OPEN> 1,534
<CHARGE-OFFS> 454
<RECOVERIES> 22
<ALLOWANCE-CLOSE> 1,400
<ALLOWANCE-DOMESTIC> 1,400
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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