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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 10,713,000
<INT-BEARING-DEPOSITS> 2,209,000
<FED-FUNDS-SOLD> 541,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 55,683,000
<INVESTMENTS-CARRYING> 17,969,000
<INVESTMENTS-MARKET> 17,967,000
<LOANS> 210,084,000
<ALLOWANCE> 2,108,000
<TOTAL-ASSETS> 315,287,000
<DEPOSITS> 233,656,000
<SHORT-TERM> 30,640,000
<LIABILITIES-OTHER> 3,080,000
<LONG-TERM> 24,241,000
0
0
<COMMON> 23,000
<OTHER-SE> 23,647,000
<TOTAL-LIABILITIES-AND-EQUITY> 315,287,000
<INTEREST-LOAN> 12,835,000
<INTEREST-INVEST> 3,198,000
<INTEREST-OTHER> 145,000
<INTEREST-TOTAL> 16,178,000
<INTEREST-DEPOSIT> 6,828,000
<INTEREST-EXPENSE> 9,063,000
<INTEREST-INCOME-NET> 7,115,000
<LOAN-LOSSES> 270,000
<SECURITIES-GAINS> 24,000
<EXPENSE-OTHER> 7,472,000
<INCOME-PRETAX> 1,232,000
<INCOME-PRE-EXTRAORDINARY> 1,232,000
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 819,000
<EPS-BASIC> 0.35
<EPS-DILUTED> 0.34
<YIELD-ACTUAL> 3.22
<LOANS-NON> 2,004,000
<LOANS-PAST> 1,496,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,996,000
<CHARGE-OFFS> 187,000
<RECOVERIES> 29,000
<ALLOWANCE-CLOSE> 2,108,000
<ALLOWANCE-DOMESTIC> 2,108,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,886,000
</TABLE>
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