<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 10,180
<INT-BEARING-DEPOSITS> 16
<FED-FUNDS-SOLD> 8,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 31,847
<INVESTMENTS-CARRYING> 36,927
<INVESTMENTS-MARKET> 36,674
<LOANS> 251,795
<ALLOWANCE> 3,188
<TOTAL-ASSETS> 356,263
<DEPOSITS> 278,083
<SHORT-TERM> 36,881
<LIABILITIES-OTHER> 2,523
<LONG-TERM> 2,000
0
0
<COMMON> 23,902
<OTHER-SE> 12,874
<TOTAL-LIABILITIES-AND-EQUITY> 356,263
<INTEREST-LOAN> 15,964
<INTEREST-INVEST> 2,993
<INTEREST-OTHER> 44
<INTEREST-TOTAL> 19,001
<INTEREST-DEPOSIT> 7,199
<INTEREST-EXPENSE> 8,063
<INTEREST-INCOME-NET> 10,938
<LOAN-LOSSES> 295
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,307
<INCOME-PRETAX> 4,057
<INCOME-PRE-EXTRAORDINARY> 4,057
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,685
<EPS-BASIC> 1.41
<EPS-DILUTED> 1.41
<YIELD-ACTUAL> 4.58
<LOANS-NON> 353
<LOANS-PAST> 1,855
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,166
<ALLOWANCE-OPEN> 3,196
<CHARGE-OFFS> 581
<RECOVERIES> 278
<ALLOWANCE-CLOSE> 3,188
<ALLOWANCE-DOMESTIC> 3,188
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>