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<TABLE> <S> <C>
<ARTICLE> 9
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1.000
<CASH> 18,459,000
<INT-BEARING-DEPOSITS> 213,797,000
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 118,876,000
<INVESTMENTS-CARRYING> 118,876,000
<INVESTMENTS-MARKET> 118,876,000
<LOANS> 214,314,000
<ALLOWANCE> (3,215,000)
<TOTAL-ASSETS> 367,007,000
<DEPOSITS> 309,327,000
<SHORT-TERM> 23,600,000
<LIABILITIES-OTHER> 1,533,000
<LONG-TERM> 10,304,000
0
0
<COMMON> 9,954,000
<OTHER-SE> 11,821,000
<TOTAL-LIABILITIES-AND-EQUITY> 367,007,000
<INTEREST-LOAN> 15,362,000
<INTEREST-INVEST> 6,498,000
<INTEREST-OTHER> 302,000
<INTEREST-TOTAL> 22,162,000
<INTEREST-DEPOSIT> 5,981,000
<INTEREST-EXPENSE> 8,889,000
<INTEREST-INCOME-NET> 13,273,000
<LOAN-LOSSES> 266,000
<SECURITIES-GAINS> (373,000)
<EXPENSE-OTHER> 10,989,000
<INCOME-PRETAX> 2,806,000
<INCOME-PRE-EXTRAORDINARY> 2,806,000
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,108,000
<EPS-BASIC> .88
<EPS-DILUTED> .81
<YIELD-ACTUAL> 8.81
<LOANS-NON> 54,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,892,000
<CHARGE-OFFS> 168,000
<RECOVERIES> 226,000
<ALLOWANCE-CLOSE> 3,126,000
<ALLOWANCE-DOMESTIC> 3,126,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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