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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED CONSOLIDATED STATE OF CONDITION AT SEPTEMBER 30, 2000 AND THE
UNAUDITED CONSOLIDATED STATEMENT OF OPERATIONS FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 2000 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-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 2,301
<INT-BEARING-DEPOSITS> 1,390
<FED-FUNDS-SOLD> 491
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 30,841
<INVESTMENTS-CARRYING> 32,748
<INVESTMENTS-MARKET> 30,841
<LOANS> 89,274
<ALLOWANCE> 262
<TOTAL-ASSETS> 128,173
<DEPOSITS> 80,152
<SHORT-TERM> 14,000
<LIABILITIES-OTHER> 3,628
<LONG-TERM> 21,100
0
0
<COMMON> 19
<OTHER-SE> 12,184
<TOTAL-LIABILITIES-AND-EQUITY> 128,173
<INTEREST-LOAN> 5,057
<INTEREST-INVEST> 1,590
<INTEREST-OTHER> 273
<INTEREST-TOTAL> 6,920
<INTEREST-DEPOSIT> 2,588
<INTEREST-EXPENSE> 1,687
<INTEREST-INCOME-NET> 2,645
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,339
<INCOME-PRETAX> 1,702
<INCOME-PRE-EXTRAORDINARY> 1,702
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,272
<EPS-BASIC> 1.08
<EPS-DILUTED> 1.07
<YIELD-ACTUAL> 14.69
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 262
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 0
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 262
</TABLE>
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