<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
September 30, 2000 Form 10-Q and is qualified in its entirety by reference to
such information.
</LEGEND>
<MULTIPLIER> 1000
<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> 11179
<INT-BEARING-DEPOSITS> 115
<FED-FUNDS-SOLD> 6226
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 57525
<LOANS> 243144
<ALLOWANCE> (3254)
<TOTAL-ASSETS> 323621
<DEPOSITS> 273745
<SHORT-TERM> 11105
<LIABILITIES-OTHER> 2294
<LONG-TERM> 0
<COMMON> 2720
0
0
<OTHER-SE> 24525
<TOTAL-LIABILITIES-AND-EQUITY> 323621
<INTEREST-LOAN> 16043
<INTEREST-INVEST> 2628
<INTEREST-OTHER> 261
<INTEREST-TOTAL> 18932
<INTEREST-DEPOSIT> 7345
<INTEREST-EXPENSE> 8675
<INTEREST-INCOME-NET> 10257
<LOAN-LOSSES> 570
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 6937
<INCOME-PRETAX> 4620
<INCOME-PRE-EXTRAORDINARY> 3140
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3140
<EPS-BASIC> 1.16
<EPS-DILUTED> 1.14
<YIELD-ACTUAL> 4.78
<LOANS-NON> 325
<LOANS-PAST> 16
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 341
<ALLOWANCE-OPEN> 2794
<CHARGE-OFFS> 169
<RECOVERIES> 59
<ALLOWANCE-CLOSE> 3254
<ALLOWANCE-DOMESTIC> 3254
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>