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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
The Consolidated balance sheets and consolidated statements of operations for
the quarter ended September 30, 2000
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 12,024
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 10,671
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 109,234
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 212,864
<ALLOWANCE> 3,001
<TOTAL-ASSETS> 374,264
<DEPOSITS> 315,112
<SHORT-TERM> 22,724
<LIABILITIES-OTHER> 3,136
<LONG-TERM> 0
0
0
<COMMON> 25,804
<OTHER-SE> 4,946
<TOTAL-LIABILITIES-AND-EQUITY> 374,264
<INTEREST-LOAN> 14,542
<INTEREST-INVEST> 4,362
<INTEREST-OTHER> 618
<INTEREST-TOTAL> 19,522
<INTEREST-DEPOSIT> 7,488
<INTEREST-EXPENSE> 8,305
<INTEREST-INCOME-NET> 11,217
<LOAN-LOSSES> 356
<SECURITIES-GAINS> 4
<EXPENSE-OTHER> 12,252
<INCOME-PRETAX> 2,122
<INCOME-PRE-EXTRAORDINARY> 1,499
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,499
<EPS-BASIC> 0.29
<EPS-DILUTED> 0.29
<YIELD-ACTUAL> 4.76
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,645
<CHARGE-OFFS> 158
<RECOVERIES> 26
<ALLOWANCE-CLOSE> 3,001
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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