<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB FOR THE COMPANY FOR THE PERIOD ENDED SEPTEMBER
30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL
STATEMENTS AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 6,945
<INT-BEARING-DEPOSITS> 128
<FED-FUNDS-SOLD> 7,250
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 73,220
<INVESTMENTS-CARRYING> 7,232
<INVESTMENTS-MARKET> 7,294
<LOANS> 165,785
<ALLOWANCE> 1,725
<TOTAL-ASSETS> 274,207
<DEPOSITS> 212,815
<SHORT-TERM> 13,185
<LIABILITIES-OTHER> 3,035
<LONG-TERM> 20,000
0
0
<COMMON> 8,696
<OTHER-SE> 16,476
<TOTAL-LIABILITIES-AND-EQUITY> 274,207
<INTEREST-LOAN> 10,192
<INTEREST-INVEST> 3,598
<INTEREST-OTHER> 142
<INTEREST-TOTAL> 13,932
<INTEREST-DEPOSIT> 3,838
<INTEREST-EXPENSE> 4,973
<INTEREST-INCOME-NET> 8,959
<LOAN-LOSSES> 325
<SECURITIES-GAINS> (1)
<EXPENSE-OTHER> 7,046
<INCOME-PRETAX> 4,257
<INCOME-PRE-EXTRAORDINARY> 4,257
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,205
<EPS-BASIC> 1.84
<EPS-DILUTED> 1.83
<YIELD-ACTUAL> 5.37
<LOANS-NON> 181
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,453
<CHARGE-OFFS> 93
<RECOVERIES> 40
<ALLOWANCE-CLOSE> 1,725
<ALLOWANCE-DOMESTIC> 585
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,141
</TABLE>