<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains financial information from the Consolidated Balance Sheet
at September 30, 2000(unaudited) and the Consolidated Statements of Income for
the nine months ended September 30, 2000(unaudited) and is qualified in its
entirety by reference to such statements.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. Dollars
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 10275
<INT-BEARING-DEPOSITS> 4592
<FED-FUNDS-SOLD> 20300
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 30414
<INVESTMENTS-CARRYING> 30414
<INVESTMENTS-MARKET> 1388
<LOANS> 168180
<ALLOWANCE> 2357
<TOTAL-ASSETS> 241518
<DEPOSITS> 202294
<SHORT-TERM> 3500
<LIABILITIES-OTHER> 2264
<LONG-TERM> 13000
0
0
<COMMON> 3422
<OTHER-SE> 17038
<TOTAL-LIABILITIES-AND-EQUITY> 241518
<INTEREST-LOAN> 12186
<INTEREST-INVEST> 1218
<INTEREST-OTHER> 515
<INTEREST-TOTAL> 13919
<INTEREST-DEPOSIT> 5906
<INTEREST-EXPENSE> 6570
<INTEREST-INCOME-NET> 7349
<LOAN-LOSSES> 317
<SECURITIES-GAINS> 10
<EXPENSE-OTHER> 5379
<INCOME-PRETAX> 2918
<INCOME-PRE-EXTRAORDINARY> 2918
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2004
<EPS-BASIC> .60
<EPS-DILUTED> .54
<YIELD-ACTUAL> 5
<LOANS-NON> 388
<LOANS-PAST> 136
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2163
<CHARGE-OFFS> 219
<RECOVERIES> 96
<ALLOWANCE-CLOSE> 2357
<ALLOWANCE-DOMESTIC> 2357
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>