<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 5,436,000
<INT-BEARING-DEPOSITS> 3,567,000
<FED-FUNDS-SOLD> 5,075,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 9,926,000
<INVESTMENTS-CARRYING> 17,093,000
<INVESTMENTS-MARKET> 17,014,000
<LOANS> 117,015,000
<ALLOWANCE> 982,000
<TOTAL-ASSETS> 166,253,000
<DEPOSITS> 146,414,000
<SHORT-TERM> 0
<LIABILITIES-OTHER> 397,000
<LONG-TERM> 0
0
0
<COMMON> 31,000
<OTHER-SE> 19,808,000
<TOTAL-LIABILITIES-AND-EQUITY> 166,253,000
<INTEREST-LOAN> 8,021,000
<INTEREST-INVEST> 1,438,000
<INTEREST-OTHER> 411,000
<INTEREST-TOTAL> 9,870,000
<INTEREST-DEPOSIT> 4,592,000
<INTEREST-EXPENSE> 4,592,000
<INTEREST-INCOME-NET> 5,278,000
<LOAN-LOSSES> 96,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,113,000
<INCOME-PRETAX> 1,925,000
<INCOME-PRE-EXTRAORDINARY> 1,925,000
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,208,000
<EPS-BASIC> .50
<EPS-DILUTED> .48
<YIELD-ACTUAL> 8.8
<LOANS-NON> 2,086,000
<LOANS-PAST> 520,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,038,000
<CHARGE-OFFS> 184,000
<RECOVERIES> 32,000
<ALLOWANCE-CLOSE> 982,000
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 982,000
</TABLE>